Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$161,114Cash toward the purchase price.
Closing costs + prepaids$10,694Not just lender fees.
Before credits & paid funds$171,808The complete starting cash picture.
Estimated remaining funds due at closing
$171,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,114.22
Your down payment$161,114.22
Closing costs + prepaids$10,693.95
Total buyer cash needed$171,808.18
Remaining funds due$171,808.18
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%)$4,169.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,278.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$7.00
Prepaid interest, first (1 days)$21.02
Fees + prepaids$10,693.95
Your down payment is the seller’s equity. You take over the $255,786 balance, so the rest of the $416,900 price is paid at closing. A second mortgage can cover part of it. $171,808.18 is due at closing. Uses and sources reconcile at $427,593.95 each. Not a Closing Disclosure.