Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$148,959Cash toward the purchase price.
Closing costs + prepaids$12,241Not just lender fees.
Before credits & paid funds$161,200The complete starting cash picture.
Estimated remaining funds due at closing
$161,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,959.11
Your down payment$148,959.11
Closing costs + prepaids$12,241.09
Total buyer cash needed$161,200.20
Remaining funds due$161,200.20
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,554.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$396.25
Initial HOA (3 months)$198.00
Prepaid interest, first (1 days)$25.13
Fees + prepaids$12,241.09
Your down payment is the seller’s equity. You take over the $310,941 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $161,200.20 is due at closing. Uses and sources reconcile at $472,141.09 each. Not a Closing Disclosure.