Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$138,157Cash toward the purchase price.
Closing costs + prepaids$15,273Not just lender fees.
Before credits & paid funds$153,430The complete starting cash picture.
Estimated remaining funds due at closing
$153,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,157.26
Your down payment$138,157.26
Closing costs + prepaids$15,272.73
Total buyer cash needed$153,429.99
Remaining funds due$153,429.99
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,704.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,197.50
Initial HOA (3 months)$2,085.00
Prepaid interest, first (1 days)$28.01
Fees + prepaids$15,272.73
Your down payment is the seller’s equity. You take over the $340,843 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $153,429.99 is due at closing. Uses and sources reconcile at $494,272.73 each. Not a Closing Disclosure.