Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$145,075Cash toward the purchase price.
Closing costs + prepaids$12,043Not just lender fees.
Before credits & paid funds$157,117The complete starting cash picture.
Estimated remaining funds due at closing
$157,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,074.53
Your down payment$145,074.53
Closing costs + prepaids$12,042.78
Total buyer cash needed$157,117.31
Remaining funds due$157,117.31
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%)$3,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,272.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.25
Initial HOA (3 months)$1,122.00
Prepaid interest, first (1 days)$21.40
Fees + prepaids$12,042.78
Your down payment is the seller’s equity. You take over the $254,425 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $157,117.31 is due at closing. Uses and sources reconcile at $411,542.78 each. Not a Closing Disclosure.