Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,953Cash toward the purchase price.
Closing costs + prepaids$11,765Not just lender fees.
Before credits & paid funds$129,719The complete starting cash picture.
Estimated remaining funds due at closing
$129,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,953.41
Your down payment$117,953.41
Closing costs + prepaids$11,765.21
Total buyer cash needed$129,718.62
Remaining funds due$129,718.62
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,534.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$582.75
Initial HOA (3 months)$156.00
Prepaid interest, first (1 days)$24.72
Fees + prepaids$11,765.21
Your down payment is the seller’s equity. You take over the $306,947 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $129,718.62 is due at closing. Uses and sources reconcile at $436,665.21 each. Not a Closing Disclosure.