Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$6,109Cash toward the purchase price.
Closing costs + prepaids$8,782Not just lender fees.
Before credits & paid funds$14,891The complete starting cash picture.
Estimated remaining funds due at closing
$14,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,109.17
Your down payment$6,109.17
Closing costs + prepaids$8,781.89
Total buyer cash needed$14,891.06
Remaining funds due$14,891.06
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%)$1,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$768.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$133.00
Initial HOA (3 months)$1,050.00
Prepaid interest, first (1 days)$12.94
Fees + prepaids$8,781.89
Your down payment is the seller’s equity. You take over the $153,791 balance, so the rest of the $159,900 price is paid at closing. A second mortgage can cover part of it. $14,891.06 is due at closing. Uses and sources reconcile at $168,681.89 each. Not a Closing Disclosure.