Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$166,559Cash toward the purchase price.
Closing costs + prepaids$14,560Not just lender fees.
Before credits & paid funds$181,119The complete starting cash picture.
Estimated remaining funds due at closing
$181,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,559.09
Your down payment$166,559.09
Closing costs + prepaids$14,559.93
Total buyer cash needed$181,119.02
Remaining funds due$181,119.02
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%)$6,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,212.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$692.75
Initial HOA (3 months)$60.00
Prepaid interest, first (1 days)$36.97
Fees + prepaids$14,559.93
Your down payment is the seller’s equity. You take over the $442,441 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $181,119.02 is due at closing. Uses and sources reconcile at $623,559.93 each. Not a Closing Disclosure.