Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$154,127Cash toward the purchase price.
Closing costs + prepaids$12,249Not just lender fees.
Before credits & paid funds$166,376The complete starting cash picture.
Estimated remaining funds due at closing
$166,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,126.91
Your down payment$154,126.91
Closing costs + prepaids$12,249.46
Total buyer cash needed$166,376.36
Remaining funds due$166,376.36
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,154.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$877.75
Initial HOA (3 months)$1,110.00
Prepaid interest, first (2 days)$39.34
Fees + prepaids$12,249.46
Your down payment is the seller’s equity. You take over the $230,873 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $166,376.36 is due at closing. Uses and sources reconcile at $397,249.46 each. Not a Closing Disclosure.