Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$119,061Cash toward the purchase price.
Closing costs + prepaids$12,991Not just lender fees.
Before credits & paid funds$132,051The complete starting cash picture.
Estimated remaining funds due at closing
$132,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,060.53
Your down payment$119,060.53
Closing costs + prepaids$12,990.76
Total buyer cash needed$132,051.29
Remaining funds due$132,051.29
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,149.70
Home insurance (12 months up front)$1,200.00
Insurance escrow (3 months)$300.00
Property tax escrow (3 months)$510.25
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$36.81
Fees + prepaids$12,990.76
Your down payment is the seller’s equity. You take over the $429,939 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $132,051.29 is due at closing. Uses and sources reconcile at $561,990.76 each. Not a Closing Disclosure.