Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$159,620Cash toward the purchase price.
Closing costs + prepaids$12,339Not just lender fees.
Before credits & paid funds$171,959The complete starting cash picture.
Estimated remaining funds due at closing
$171,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,620.35
Your down payment$159,620.35
Closing costs + prepaids$12,338.50
Total buyer cash needed$171,958.85
Remaining funds due$171,958.85
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%)$4,339.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,371.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$651.25
Initial HOA (3 months)$710.01
Prepaid interest, first (1 days)$48.84
Fees + prepaids$12,338.50
Your down payment is the seller’s equity. You take over the $274,280 balance, so the rest of the $433,900 price is paid at closing. A second mortgage can cover part of it. $171,958.85 is due at closing. Uses and sources reconcile at $446,238.50 each. Not a Closing Disclosure.