Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$132,171Cash toward the purchase price.
Closing costs + prepaids$11,702Not just lender fees.
Before credits & paid funds$143,873The complete starting cash picture.
Estimated remaining funds due at closing
$143,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,170.84
Your down payment$132,170.84
Closing costs + prepaids$11,702.21
Total buyer cash needed$143,873.05
Remaining funds due$143,873.05
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%)$3,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,026.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$843.75
Initial HOA (3 months)$1,200.00
Prepaid interest, first (2 days)$38.82
Fees + prepaids$11,702.21
Your down payment is the seller’s equity. You take over the $205,329 balance, so the rest of the $337,500 price is paid at closing. A second mortgage can cover part of it. $143,873.05 is due at closing. Uses and sources reconcile at $349,202.21 each. Not a Closing Disclosure.