Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$150,811Cash toward the purchase price.
Closing costs + prepaids$11,507Not just lender fees.
Before credits & paid funds$162,318The complete starting cash picture.
Estimated remaining funds due at closing
$162,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,810.61
Your down payment$150,810.61
Closing costs + prepaids$11,506.91
Total buyer cash needed$162,317.51
Remaining funds due$162,317.51
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%)$1,320.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$530.75
Initial HOA (3 months)$264.99
Prepaid interest, first (1 days)$22.22
Fees + prepaids$11,506.91
Your down payment is the seller’s equity. You take over the $264,189 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $162,317.51 is due at closing. Uses and sources reconcile at $426,506.91 each. Not a Closing Disclosure.