Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$123,093Cash toward the purchase price.
Closing costs + prepaids$9,444Not just lender fees.
Before credits & paid funds$132,537The complete starting cash picture.
Estimated remaining funds due at closing
$132,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,093.39
Your down payment$123,093.39
Closing costs + prepaids$9,443.79
Total buyer cash needed$132,537.18
Remaining funds due$132,537.18
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%)$2,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$659.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$151.75
Initial HOA (3 months)$840.00
Prepaid interest, first (1 days)$24.50
Fees + prepaids$9,443.79
Your down payment is the seller’s equity. You take over the $131,907 balance, so the rest of the $255,000 price is paid at closing. A second mortgage can cover part of it. $132,537.18 is due at closing. Uses and sources reconcile at $264,443.79 each. Not a Closing Disclosure.