Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$164,107Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$175,718The complete starting cash picture.
Estimated remaining funds due at closing
$175,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,107.35
Your down payment$164,107.35
Closing costs + prepaids$11,611.11
Total buyer cash needed$175,718.46
Remaining funds due$175,718.46
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%)$4,129.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,244.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$628.75
Initial HOA (3 months)$369.99
Prepaid interest, first (1 days)$20.66
Fees + prepaids$11,611.11
Your down payment is the seller’s equity. You take over the $248,843 balance, so the rest of the $412,950 price is paid at closing. A second mortgage can cover part of it. $175,718.46 is due at closing. Uses and sources reconcile at $424,561.11 each. Not a Closing Disclosure.