Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$156,144Cash toward the purchase price.
Closing costs + prepaids$12,998Not just lender fees.
Before credits & paid funds$169,142The complete starting cash picture.
Estimated remaining funds due at closing
$169,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,143.59
Your down payment$156,143.59
Closing costs + prepaids$12,998.41
Total buyer cash needed$169,142.00
Remaining funds due$169,142.00
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,619.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$890.25
Initial HOA (3 months)$168.00
Prepaid interest, first (2 days)$52.88
Fees + prepaids$12,998.41
Your down payment is the seller’s equity. You take over the $323,856 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $169,142.00 is due at closing. Uses and sources reconcile at $492,998.41 each. Not a Closing Disclosure.