Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$147,224Cash toward the purchase price.
Closing costs + prepaids$9,602Not just lender fees.
Before credits & paid funds$156,826The complete starting cash picture.
Estimated remaining funds due at closing
$156,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,223.67
Your down payment$147,223.67
Closing costs + prepaids$9,601.88
Total buyer cash needed$156,825.55
Remaining funds due$156,825.55
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$738.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$443.75
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$12.74
Fees + prepaids$9,601.88
Your down payment is the seller’s equity. You take over the $147,676 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $156,825.55 is due at closing. Uses and sources reconcile at $304,501.88 each. Not a Closing Disclosure.