Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$156,131Cash toward the purchase price.
Closing costs + prepaids$16,010Not just lender fees.
Before credits & paid funds$172,141The complete starting cash picture.
Estimated remaining funds due at closing
$172,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,131.00
Your down payment$156,131.00
Closing costs + prepaids$16,009.90
Total buyer cash needed$172,140.90
Remaining funds due$172,140.90
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,594.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$778.50
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$44.07
Fees + prepaids$16,009.90
Your down payment is the seller’s equity. You take over the $518,868 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $172,140.90 is due at closing. Uses and sources reconcile at $691,008.90 each. Not a Closing Disclosure.