Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$143,535Cash toward the purchase price.
Closing costs + prepaids$11,354Not just lender fees.
Before credits & paid funds$154,888The complete starting cash picture.
Estimated remaining funds due at closing
$154,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,534.57
Your down payment$143,534.57
Closing costs + prepaids$11,353.50
Total buyer cash needed$154,888.07
Remaining funds due$154,888.07
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$579.00
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$19.18
Fees + prepaids$11,353.50
Your down payment is the seller’s equity. You take over the $255,465 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $154,888.07 is due at closing. Uses and sources reconcile at $410,353.50 each. Not a Closing Disclosure.