Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$156,241Cash toward the purchase price.
Closing costs + prepaids$11,288Not just lender fees.
Before credits & paid funds$167,529The complete starting cash picture.
Estimated remaining funds due at closing
$167,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,240.56
Your down payment$156,240.56
Closing costs + prepaids$11,288.42
Total buyer cash needed$167,528.98
Remaining funds due$167,528.98
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,268.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$532.50
Initial HOA (3 months)$147.99
Prepaid interest, first (1 days)$21.14
Fees + prepaids$11,288.42
Your down payment is the seller’s equity. You take over the $253,759 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $167,528.98 is due at closing. Uses and sources reconcile at $421,288.42 each. Not a Closing Disclosure.