Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$137,908Cash toward the purchase price.
Closing costs + prepaids$15,858Not just lender fees.
Before credits & paid funds$153,765The complete starting cash picture.
Estimated remaining funds due at closing
$153,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,907.61
Your down payment$137,907.61
Closing costs + prepaids$15,857.74
Total buyer cash needed$153,765.35
Remaining funds due$153,765.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,605.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$774.75
Initial HOA (3 months)$360.00
Prepaid interest, first (1 days)$59.53
Fees + prepaids$15,857.74
Your down payment is the seller’s equity. You take over the $521,092 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $153,765.35 is due at closing. Uses and sources reconcile at $674,857.74 each. Not a Closing Disclosure.