Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$133,038Cash toward the purchase price.
Closing costs + prepaids$13,620Not just lender fees.
Before credits & paid funds$146,658The complete starting cash picture.
Estimated remaining funds due at closing
$146,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,037.87
Your down payment$133,037.87
Closing costs + prepaids$13,620.37
Total buyer cash needed$146,658.24
Remaining funds due$146,658.24
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,984.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$423.75
Initial HOA (3 months)$369.00
Prepaid interest, first (1 days)$74.82
Fees + prepaids$13,620.37
Your down payment is the seller’s equity. You take over the $396,961 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $146,658.24 is due at closing. Uses and sources reconcile at $543,619.37 each. Not a Closing Disclosure.