Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$160,284Cash toward the purchase price.
Closing costs + prepaids$11,755Not just lender fees.
Before credits & paid funds$172,038The complete starting cash picture.
Estimated remaining funds due at closing
$172,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,283.87
Your down payment$160,283.87
Closing costs + prepaids$11,754.59
Total buyer cash needed$172,038.46
Remaining funds due$172,038.46
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,148.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.75
Initial HOA (3 months)$1,221.00
Prepaid interest, first (2 days)$39.76
Fees + prepaids$11,754.59
Your down payment is the seller’s equity. You take over the $229,616 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $172,038.46 is due at closing. Uses and sources reconcile at $401,654.59 each. Not a Closing Disclosure.