Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$148,874Cash toward the purchase price.
Closing costs + prepaids$11,047Not just lender fees.
Before credits & paid funds$159,921The complete starting cash picture.
Estimated remaining funds due at closing
$159,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,874.23
Your down payment$148,874.23
Closing costs + prepaids$11,046.88
Total buyer cash needed$159,921.11
Remaining funds due$159,921.11
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%)$3,499.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,005.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$39.00
Fees + prepaids$11,046.88
Your down payment is the seller’s equity. You take over the $201,076 balance, so the rest of the $349,950 price is paid at closing. A second mortgage can cover part of it. $159,921.11 is due at closing. Uses and sources reconcile at $360,996.88 each. Not a Closing Disclosure.