Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,667Cash toward the purchase price.
Closing costs + prepaids$15,037Not just lender fees.
Before credits & paid funds$153,705The complete starting cash picture.
Estimated remaining funds due at closing
$153,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,667.38
Your down payment$138,667.38
Closing costs + prepaids$15,037.31
Total buyer cash needed$153,704.69
Remaining funds due$153,704.69
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,231.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$504.25
Initial HOA (3 months)$900.00
Prepaid interest, first (1 days)$83.40
Fees + prepaids$15,037.31
Your down payment is the seller’s equity. You take over the $446,333 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $153,704.69 is due at closing. Uses and sources reconcile at $600,037.31 each. Not a Closing Disclosure.