Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$124,789Cash toward the purchase price.
Closing costs + prepaids$11,381Not just lender fees.
Before credits & paid funds$136,170The complete starting cash picture.
Estimated remaining funds due at closing
$136,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,789.10
Your down payment$124,789.10
Closing costs + prepaids$11,380.73
Total buyer cash needed$136,169.84
Remaining funds due$136,169.84
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%)$4,249.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,500.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.75
Prepaid interest, first (1 days)$23.27
Fees + prepaids$11,380.73
Your down payment is the seller’s equity. You take over the $300,188 balance, so the rest of the $424,977 price is paid at closing. A second mortgage can cover part of it. $136,169.84 is due at closing. Uses and sources reconcile at $436,357.73 each. Not a Closing Disclosure.