Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$145,831Cash toward the purchase price.
Closing costs + prepaids$10,968Not just lender fees.
Before credits & paid funds$156,799The complete starting cash picture.
Estimated remaining funds due at closing
$156,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,830.96
Your down payment$145,830.96
Closing costs + prepaids$10,967.68
Total buyer cash needed$156,798.64
Remaining funds due$156,798.64
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,245.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.25
Initial HOA (3 months)$204.75
Prepaid interest, first (1 days)$20.33
Fees + prepaids$10,967.68
Your down payment is the seller’s equity. You take over the $249,069 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $156,798.64 is due at closing. Uses and sources reconcile at $405,867.68 each. Not a Closing Disclosure.