Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,474Cash toward the purchase price.
Closing costs + prepaids$8,438Not just lender fees.
Before credits & paid funds$24,912The complete starting cash picture.
Estimated remaining funds due at closing
$24,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,473.92
Your down payment$16,473.92
Closing costs + prepaids$8,438.38
Total buyer cash needed$24,912.30
Remaining funds due$24,912.30
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%)$1,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$642.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$205.00
Initial HOA (3 months)$900.00
Prepaid interest, first (1 days)$22.75
Fees + prepaids$8,438.38
Your down payment is the seller’s equity. You take over the $128,526 balance, so the rest of the $145,000 price is paid at closing. A second mortgage can cover part of it. $24,912.30 is due at closing. Uses and sources reconcile at $153,438.38 each. Not a Closing Disclosure.