Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$135,984Cash toward the purchase price.
Closing costs + prepaids$11,494Not just lender fees.
Before credits & paid funds$147,478The complete starting cash picture.
Estimated remaining funds due at closing
$147,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,983.74
Your down payment$135,983.74
Closing costs + prepaids$11,493.96
Total buyer cash needed$147,477.70
Remaining funds due$147,477.70
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,395.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$399.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$31.88
Fees + prepaids$11,493.96
Your down payment is the seller’s equity. You take over the $279,016 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $147,477.70 is due at closing. Uses and sources reconcile at $426,493.96 each. Not a Closing Disclosure.