Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$132,041Cash toward the purchase price.
Closing costs + prepaids$16,060Not just lender fees.
Before credits & paid funds$148,101The complete starting cash picture.
Estimated remaining funds due at closing
$148,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,040.92
Your down payment$132,040.92
Closing costs + prepaids$16,059.99
Total buyer cash needed$148,100.92
Remaining funds due$148,100.92
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%)$6,489.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,584.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$705.25
Initial HOA (3 months)$735.00
Prepaid interest, first (1 days)$78.45
Fees + prepaids$16,059.99
Your down payment is the seller’s equity. You take over the $516,859 balance, so the rest of the $648,900 price is paid at closing. A second mortgage can cover part of it. $148,100.92 is due at closing. Uses and sources reconcile at $664,959.99 each. Not a Closing Disclosure.