Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$152,907Cash toward the purchase price.
Closing costs + prepaids$12,755Not just lender fees.
Before credits & paid funds$165,662The complete starting cash picture.
Estimated remaining funds due at closing
$165,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,907.20
Your down payment$152,907.20
Closing costs + prepaids$12,754.65
Total buyer cash needed$165,661.85
Remaining funds due$165,661.85
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%)$4,949.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,710.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$402.75
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$28.59
Fees + prepaids$12,754.65
Your down payment is the seller’s equity. You take over the $342,083 balance, so the rest of the $494,990 price is paid at closing. A second mortgage can cover part of it. $165,661.85 is due at closing. Uses and sources reconcile at $507,744.65 each. Not a Closing Disclosure.