Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$145,855Cash toward the purchase price.
Closing costs + prepaids$10,454Not just lender fees.
Before credits & paid funds$156,310The complete starting cash picture.
Estimated remaining funds due at closing
$156,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,855.21
Your down payment$145,855.21
Closing costs + prepaids$10,454.43
Total buyer cash needed$156,309.64
Remaining funds due$156,309.64
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,015.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.50
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$19.20
Fees + prepaids$10,454.43
Your down payment is the seller’s equity. You take over the $203,145 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $156,309.64 is due at closing. Uses and sources reconcile at $359,454.43 each. Not a Closing Disclosure.