Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$157,349Cash toward the purchase price.
Closing costs + prepaids$14,006Not just lender fees.
Before credits & paid funds$171,355The complete starting cash picture.
Estimated remaining funds due at closing
$171,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,348.71
Your down payment$157,348.71
Closing costs + prepaids$14,006.22
Total buyer cash needed$171,354.93
Remaining funds due$171,354.93
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,938.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$984.75
Initial HOA (3 months)$95.01
Prepaid interest, first (1 days)$70.20
Fees + prepaids$14,006.22
Your down payment is the seller’s equity. You take over the $387,651 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $171,354.93 is due at closing. Uses and sources reconcile at $559,006.22 each. Not a Closing Disclosure.