Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$151,606Cash toward the purchase price.
Closing costs + prepaids$11,237Not just lender fees.
Before credits & paid funds$162,843The complete starting cash picture.
Estimated remaining funds due at closing
$162,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,605.62
Your down payment$151,605.62
Closing costs + prepaids$11,237.44
Total buyer cash needed$162,843.06
Remaining funds due$162,843.06
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,341.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.25
Initial HOA (3 months)$140.01
Prepaid interest, first (2 days)$42.21
Fees + prepaids$11,237.44
Your down payment is the seller’s equity. You take over the $268,394 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $162,843.06 is due at closing. Uses and sources reconcile at $431,237.44 each. Not a Closing Disclosure.