Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,059Cash toward the purchase price.
Closing costs + prepaids$8,278Not just lender fees.
Before credits & paid funds$122,337The complete starting cash picture.
Estimated remaining funds due at closing
$122,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,059.26
Your down payment$114,059.26
Closing costs + prepaids$8,277.67
Total buyer cash needed$122,336.94
Remaining funds due$122,336.94
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%)$1,709.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$284.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$129.00
Initial HOA (3 months)$933.00
Prepaid interest, first (1 days)$4.47
Fees + prepaids$8,277.67
Your down payment is the seller’s equity. You take over the $56,841 balance, so the rest of the $170,900 price is paid at closing. A second mortgage can cover part of it. $122,336.94 is due at closing. Uses and sources reconcile at $179,177.67 each. Not a Closing Disclosure.