Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$148,934Cash toward the purchase price.
Closing costs + prepaids$11,481Not just lender fees.
Before credits & paid funds$160,415The complete starting cash picture.
Estimated remaining funds due at closing
$160,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,933.71
Your down payment$148,933.71
Closing costs + prepaids$11,480.91
Total buyer cash needed$160,414.62
Remaining funds due$160,414.62
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,330.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$415.00
Initial HOA (3 months)$339.00
Prepaid interest, first (1 days)$28.57
Fees + prepaids$11,480.91
Your down payment is the seller’s equity. You take over the $266,066 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $160,414.62 is due at closing. Uses and sources reconcile at $426,480.91 each. Not a Closing Disclosure.