Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$119,340Cash toward the purchase price.
Closing costs + prepaids$15,392Not just lender fees.
Before credits & paid funds$134,732The complete starting cash picture.
Estimated remaining funds due at closing
$134,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,340.23
Your down payment$119,340.23
Closing costs + prepaids$15,391.98
Total buyer cash needed$134,732.21
Remaining funds due$134,732.21
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%)$6,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,578.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$691.50
Initial HOA (3 months)$231.99
Prepaid interest, first (1 days)$72.19
Fees + prepaids$15,391.98
Your down payment is the seller’s equity. You take over the $515,660 balance, so the rest of the $635,000 price is paid at closing. A second mortgage can cover part of it. $134,732.21 is due at closing. Uses and sources reconcile at $650,391.98 each. Not a Closing Disclosure.