Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$135,266Cash toward the purchase price.
Closing costs + prepaids$11,720Not just lender fees.
Before credits & paid funds$146,986The complete starting cash picture.
Estimated remaining funds due at closing
$146,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,265.83
Your down payment$135,265.83
Closing costs + prepaids$11,719.88
Total buyer cash needed$146,985.72
Remaining funds due$146,985.72
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,473.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$334.25
Initial HOA (3 months)$372.00
Prepaid interest, first (1 days)$21.96
Fees + prepaids$11,719.88
Your down payment is the seller’s equity. You take over the $294,734 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $146,985.72 is due at closing. Uses and sources reconcile at $441,719.88 each. Not a Closing Disclosure.