Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$165,599Cash toward the purchase price.
Closing costs + prepaids$13,135Not just lender fees.
Before credits & paid funds$178,734The complete starting cash picture.
Estimated remaining funds due at closing
$178,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,598.53
Your down payment$165,598.53
Closing costs + prepaids$13,135.04
Total buyer cash needed$178,733.57
Remaining funds due$178,733.57
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,797.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$419.50
Initial HOA (3 months)$170.01
Prepaid interest, first (1 days)$30.52
Fees + prepaids$13,135.04
Your down payment is the seller’s equity. You take over the $359,401 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $178,733.57 is due at closing. Uses and sources reconcile at $538,135.04 each. Not a Closing Disclosure.