Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$136,499Cash toward the purchase price.
Closing costs + prepaids$11,337Not just lender fees.
Before credits & paid funds$147,836The complete starting cash picture.
Estimated remaining funds due at closing
$147,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,499.11
Your down payment$136,499.11
Closing costs + prepaids$11,337.17
Total buyer cash needed$147,836.28
Remaining funds due$147,836.28
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%)$3,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$225.25
Initial HOA (3 months)$1,956.00
Prepaid interest, first (1 days)$15.42
Fees + prepaids$11,337.17
Your down payment is the seller’s equity. You take over the $170,501 balance, so the rest of the $307,000 price is paid at closing. A second mortgage can cover part of it. $147,836.28 is due at closing. Uses and sources reconcile at $318,337.17 each. Not a Closing Disclosure.