Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$131,348Cash toward the purchase price.
Closing costs + prepaids$11,321Not just lender fees.
Before credits & paid funds$142,669The complete starting cash picture.
Estimated remaining funds due at closing
$142,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,347.85
Your down payment$131,347.85
Closing costs + prepaids$11,321.16
Total buyer cash needed$142,669.00
Remaining funds due$142,669.00
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,342.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$449.50
Initial HOA (3 months)$291.00
Prepaid interest, first (1 days)$20.90
Fees + prepaids$11,321.16
Your down payment is the seller’s equity. You take over the $268,552 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $142,669.00 is due at closing. Uses and sources reconcile at $411,221.16 each. Not a Closing Disclosure.