Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,065Cash toward the purchase price.
Closing costs + prepaids$11,433Not just lender fees.
Before credits & paid funds$178,498The complete starting cash picture.
Estimated remaining funds due at closing
$178,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,064.58
Your down payment$167,064.58
Closing costs + prepaids$11,433.14
Total buyer cash needed$178,497.71
Remaining funds due$178,497.71
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.25
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$20.21
Fees + prepaids$11,433.14
Your down payment is the seller’s equity. You take over the $257,935 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $178,497.71 is due at closing. Uses and sources reconcile at $436,433.14 each. Not a Closing Disclosure.