Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$160,284Cash toward the purchase price.
Closing costs + prepaids$11,735Not just lender fees.
Before credits & paid funds$172,019The complete starting cash picture.
Estimated remaining funds due at closing
$172,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,283.87
Your down payment$160,283.87
Closing costs + prepaids$11,734.71
Total buyer cash needed$172,018.58
Remaining funds due$172,018.58
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,148.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.75
Initial HOA (3 months)$1,221.00
Prepaid interest, first (1 days)$19.88
Fees + prepaids$11,734.71
Your down payment is the seller’s equity. You take over the $229,616 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $172,018.58 is due at closing. Uses and sources reconcile at $401,634.71 each. Not a Closing Disclosure.