Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$170,016Cash toward the purchase price.
Closing costs + prepaids$11,598Not just lender fees.
Before credits & paid funds$181,614The complete starting cash picture.
Estimated remaining funds due at closing
$181,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,015.71
Your down payment$170,015.71
Closing costs + prepaids$11,598.12
Total buyer cash needed$181,613.84
Remaining funds due$181,613.84
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%)$1,274.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$605.75
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$24.45
Fees + prepaids$11,598.12
Your down payment is the seller’s equity. You take over the $254,984 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $181,613.84 is due at closing. Uses and sources reconcile at $436,598.12 each. Not a Closing Disclosure.