Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,012Cash toward the purchase price.
Closing costs + prepaids$7,899Not just lender fees.
Before credits & paid funds$60,911The complete starting cash picture.
Estimated remaining funds due at closing
$60,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,012.08
Your down payment$53,012.08
Closing costs + prepaids$7,898.75
Total buyer cash needed$60,910.83
Remaining funds due$60,910.83
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%)$1,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$634.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$71.75
Initial HOA (3 months)$151.26
Prepaid interest, first (1 days)$24.30
Fees + prepaids$7,898.75
Your down payment is the seller’s equity. You take over the $126,888 balance, so the rest of the $179,900 price is paid at closing. A second mortgage can cover part of it. $60,910.83 is due at closing. Uses and sources reconcile at $187,798.75 each. Not a Closing Disclosure.