Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$140,405Cash toward the purchase price.
Closing costs + prepaids$11,285Not just lender fees.
Before credits & paid funds$151,690The complete starting cash picture.
Estimated remaining funds due at closing
$151,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,404.78
Your down payment$140,404.78
Closing costs + prepaids$11,285.48
Total buyer cash needed$151,690.26
Remaining funds due$151,690.26
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.75
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$20.76
Fees + prepaids$11,285.48
Your down payment is the seller’s equity. You take over the $269,595 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $151,690.26 is due at closing. Uses and sources reconcile at $421,285.48 each. Not a Closing Disclosure.