Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$150,411Cash toward the purchase price.
Closing costs + prepaids$20,173Not just lender fees.
Before credits & paid funds$170,584The complete starting cash picture.
Estimated remaining funds due at closing
$170,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,411.26
Your down payment$150,411.26
Closing costs + prepaids$20,172.99
Total buyer cash needed$170,584.25
Remaining funds due$170,584.25
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%)$8,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,737.94
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$666.75
Initial HOA (3 months)$447.00
Prepaid interest, first (1 days)$123.30
Fees + prepaids$20,172.99
Your down payment is the seller’s equity. You take over the $747,589 balance, so the rest of the $898,000 price is paid at closing. A second mortgage can cover part of it. $170,584.25 is due at closing. Uses and sources reconcile at $918,172.99 each. Not a Closing Disclosure.