Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$137,358Cash toward the purchase price.
Closing costs + prepaids$12,078Not just lender fees.
Before credits & paid funds$149,435The complete starting cash picture.
Estimated remaining funds due at closing
$149,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,357.60
Your down payment$137,357.60
Closing costs + prepaids$12,077.68
Total buyer cash needed$149,435.28
Remaining funds due$149,435.28
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,558.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.00
Initial HOA (3 months)$435.00
Prepaid interest, first (1 days)$26.47
Fees + prepaids$12,077.68
Your down payment is the seller’s equity. You take over the $311,642 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $149,435.28 is due at closing. Uses and sources reconcile at $461,077.68 each. Not a Closing Disclosure.