Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$158,642Cash toward the purchase price.
Closing costs + prepaids$11,255Not just lender fees.
Before credits & paid funds$169,897The complete starting cash picture.
Estimated remaining funds due at closing
$169,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,641.99
Your down payment$158,641.99
Closing costs + prepaids$11,254.83
Total buyer cash needed$169,896.82
Remaining funds due$169,896.82
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%)$3,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,191.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.75
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$21.29
Fees + prepaids$11,254.83
Your down payment is the seller’s equity. You take over the $238,358 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $169,896.82 is due at closing. Uses and sources reconcile at $408,254.83 each. Not a Closing Disclosure.