Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$157,828Cash toward the purchase price.
Closing costs + prepaids$12,415Not just lender fees.
Before credits & paid funds$170,243The complete starting cash picture.
Estimated remaining funds due at closing
$170,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,828.10
Your down payment$157,828.10
Closing costs + prepaids$12,414.87
Total buyer cash needed$170,242.96
Remaining funds due$170,242.96
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%)$4,825.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,623.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$322.00
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$26.51
Fees + prepaids$12,414.87
Your down payment is the seller’s equity. You take over the $324,672 balance, so the rest of the $482,500 price is paid at closing. A second mortgage can cover part of it. $170,242.96 is due at closing. Uses and sources reconcile at $494,914.87 each. Not a Closing Disclosure.