Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$151,166Cash toward the purchase price.
Closing costs + prepaids$11,283Not just lender fees.
Before credits & paid funds$162,449The complete starting cash picture.
Estimated remaining funds due at closing
$162,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,166.43
Your down payment$151,166.43
Closing costs + prepaids$11,282.81
Total buyer cash needed$162,449.24
Remaining funds due$162,449.24
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,319.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$433.75
Initial HOA (3 months)$135.00
Prepaid interest, first (1 days)$26.89
Fees + prepaids$11,282.81
Your down payment is the seller’s equity. You take over the $263,834 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $162,449.24 is due at closing. Uses and sources reconcile at $426,282.81 each. Not a Closing Disclosure.