Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$162,078Cash toward the purchase price.
Closing costs + prepaids$13,753Not just lender fees.
Before credits & paid funds$175,832The complete starting cash picture.
Estimated remaining funds due at closing
$175,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,078.28
Your down payment$162,078.28
Closing costs + prepaids$13,753.39
Total buyer cash needed$175,831.67
Remaining funds due$175,831.67
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,839.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$613.25
Initial HOA (3 months)$504.00
Prepaid interest, first (1 days)$28.53
Fees + prepaids$13,753.39
Your down payment is the seller’s equity. You take over the $367,922 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $175,831.67 is due at closing. Uses and sources reconcile at $543,753.39 each. Not a Closing Disclosure.