Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,395Cash toward the purchase price.
Closing costs + prepaids$14,874Not just lender fees.
Before credits & paid funds$153,269The complete starting cash picture.
Estimated remaining funds due at closing
$153,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,395.32
Your down payment$138,395.32
Closing costs + prepaids$14,873.96
Total buyer cash needed$153,269.29
Remaining funds due$153,269.29
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,203.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$986.00
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$36.94
Fees + prepaids$14,873.96
Your down payment is the seller’s equity. You take over the $440,605 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $153,269.29 is due at closing. Uses and sources reconcile at $593,873.96 each. Not a Closing Disclosure.