Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$180,952Cash toward the purchase price.
Closing costs + prepaids$14,189Not just lender fees.
Before credits & paid funds$195,141The complete starting cash picture.
Estimated remaining funds due at closing
$195,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,952.41
Your down payment$180,952.41
Closing costs + prepaids$14,188.85
Total buyer cash needed$195,141.26
Remaining funds due$195,141.26
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,945.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$369.00
Initial HOA (3 months)$645.00
Prepaid interest, first (1 days)$61.61
Fees + prepaids$14,188.85
Your down payment is the seller’s equity. You take over the $389,048 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $195,141.26 is due at closing. Uses and sources reconcile at $584,188.85 each. Not a Closing Disclosure.