Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$126,474Cash toward the purchase price.
Closing costs + prepaids$11,522Not just lender fees.
Before credits & paid funds$137,996The complete starting cash picture.
Estimated remaining funds due at closing
$137,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,473.74
Your down payment$126,473.74
Closing costs + prepaids$11,521.94
Total buyer cash needed$137,995.68
Remaining funds due$137,995.68
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,367.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$524.00
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$37.32
Fees + prepaids$11,521.94
Your down payment is the seller’s equity. You take over the $273,525 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $137,995.68 is due at closing. Uses and sources reconcile at $411,520.94 each. Not a Closing Disclosure.