Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$139,359Cash toward the purchase price.
Closing costs + prepaids$10,524Not just lender fees.
Before credits & paid funds$149,882The complete starting cash picture.
Estimated remaining funds due at closing
$149,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,358.82
Your down payment$139,358.82
Closing costs + prepaids$10,523.51
Total buyer cash needed$149,882.33
Remaining funds due$149,882.33
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$948.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$618.75
Initial HOA (3 months)$434.01
Prepaid interest, first (1 days)$14.55
Fees + prepaids$10,523.51
Your down payment is the seller’s equity. You take over the $189,641 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $149,882.33 is due at closing. Uses and sources reconcile at $339,523.51 each. Not a Closing Disclosure.