Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$145,405Cash toward the purchase price.
Closing costs + prepaids$11,356Not just lender fees.
Before credits & paid funds$156,761The complete starting cash picture.
Estimated remaining funds due at closing
$156,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,404.78
Your down payment$145,404.78
Closing costs + prepaids$11,356.24
Total buyer cash needed$156,761.02
Remaining funds due$156,761.02
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.75
Initial HOA (3 months)$213.00
Prepaid interest, first (2 days)$41.51
Fees + prepaids$11,356.24
Your down payment is the seller’s equity. You take over the $269,595 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $156,761.02 is due at closing. Uses and sources reconcile at $426,356.24 each. Not a Closing Disclosure.