Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,514Cash toward the purchase price.
Closing costs + prepaids$11,661Not just lender fees.
Before credits & paid funds$160,175The complete starting cash picture.
Estimated remaining funds due at closing
$160,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,513.94
Your down payment$148,513.94
Closing costs + prepaids$11,661.44
Total buyer cash needed$160,175.39
Remaining funds due$160,175.39
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,457.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.50
Initial HOA (3 months)$186.00
Prepaid interest, first (2 days)$49.51
Fees + prepaids$11,661.44
Your down payment is the seller’s equity. You take over the $291,486 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $160,175.39 is due at closing. Uses and sources reconcile at $451,661.44 each. Not a Closing Disclosure.