Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$171,376Cash toward the purchase price.
Closing costs + prepaids$11,714Not just lender fees.
Before credits & paid funds$183,089The complete starting cash picture.
Estimated remaining funds due at closing
$183,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,375.72
Your down payment$171,375.72
Closing costs + prepaids$11,713.50
Total buyer cash needed$183,089.23
Remaining funds due$183,089.23
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,318.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$471.50
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$40.88
Fees + prepaids$11,713.50
Your down payment is the seller’s equity. You take over the $263,624 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $183,089.23 is due at closing. Uses and sources reconcile at $446,713.50 each. Not a Closing Disclosure.