Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$149,186Cash toward the purchase price.
Closing costs + prepaids$11,478Not just lender fees.
Before credits & paid funds$160,663The complete starting cash picture.
Estimated remaining funds due at closing
$160,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,185.54
Your down payment$149,185.54
Closing costs + prepaids$11,477.64
Total buyer cash needed$160,663.18
Remaining funds due$160,663.18
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,379.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$607.75
Prepaid interest, first (1 days)$22.82
Fees + prepaids$11,477.64
Your down payment is the seller’s equity. You take over the $275,814 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $160,663.18 is due at closing. Uses and sources reconcile at $436,477.64 each. Not a Closing Disclosure.