Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,852Cash toward the purchase price.
Closing costs + prepaids$15,353Not just lender fees.
Before credits & paid funds$183,205The complete starting cash picture.
Estimated remaining funds due at closing
$183,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,851.63
Your down payment$167,851.63
Closing costs + prepaids$15,353.06
Total buyer cash needed$183,204.69
Remaining funds due$183,204.69
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%)$6,549.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,435.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$84.08
Fees + prepaids$15,353.06
Your down payment is the seller’s equity. You take over the $487,147 balance, so the rest of the $654,999 price is paid at closing. A second mortgage can cover part of it. $183,204.69 is due at closing. Uses and sources reconcile at $670,352.06 each. Not a Closing Disclosure.