Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$161,617Cash toward the purchase price.
Closing costs + prepaids$11,148Not just lender fees.
Before credits & paid funds$172,765The complete starting cash picture.
Estimated remaining funds due at closing
$172,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,616.85
Your down payment$161,616.85
Closing costs + prepaids$11,147.97
Total buyer cash needed$172,764.82
Remaining funds due$172,764.82
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,136.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.50
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$22.55
Fees + prepaids$11,147.97
Your down payment is the seller’s equity. You take over the $227,383 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $172,764.82 is due at closing. Uses and sources reconcile at $400,147.97 each. Not a Closing Disclosure.