Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$130,017Cash toward the purchase price.
Closing costs + prepaids$8,456Not just lender fees.
Before credits & paid funds$138,473The complete starting cash picture.
Estimated remaining funds due at closing
$138,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,017.26
Your down payment$130,017.26
Closing costs + prepaids$8,455.56
Total buyer cash needed$138,472.82
Remaining funds due$138,472.82
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%)$1,809.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$254.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$85.50
Initial HOA (3 months)$1,083.00
Prepaid interest, first (1 days)$5.65
Fees + prepaids$8,455.56
Your down payment is the seller’s equity. You take over the $50,883 balance, so the rest of the $180,900 price is paid at closing. A second mortgage can cover part of it. $138,472.82 is due at closing. Uses and sources reconcile at $189,355.56 each. Not a Closing Disclosure.