Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$163,199Cash toward the purchase price.
Closing costs + prepaids$11,369Not just lender fees.
Before credits & paid funds$174,568The complete starting cash picture.
Estimated remaining funds due at closing
$174,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,198.61
Your down payment$163,198.61
Closing costs + prepaids$11,369.12
Total buyer cash needed$174,567.73
Remaining funds due$174,567.73
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,309.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$548.00
Prepaid interest, first (1 days)$44.11
Fees + prepaids$11,369.12
Your down payment is the seller’s equity. You take over the $261,801 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $174,567.73 is due at closing. Uses and sources reconcile at $436,369.12 each. Not a Closing Disclosure.