Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$153,946Cash toward the purchase price.
Closing costs + prepaids$11,952Not just lender fees.
Before credits & paid funds$165,898The complete starting cash picture.
Estimated remaining funds due at closing
$165,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,945.70
Your down payment$153,945.70
Closing costs + prepaids$11,951.81
Total buyer cash needed$165,897.52
Remaining funds due$165,897.52
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%)$1,475.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$713.25
Prepaid interest, first (1 days)$55.29
Fees + prepaids$11,951.81
Your down payment is the seller’s equity. You take over the $295,054 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $165,897.52 is due at closing. Uses and sources reconcile at $460,951.81 each. Not a Closing Disclosure.