Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$146,995Cash toward the purchase price.
Closing costs + prepaids$11,373Not just lender fees.
Before credits & paid funds$158,368The complete starting cash picture.
Estimated remaining funds due at closing
$158,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,994.88
Your down payment$146,994.88
Closing costs + prepaids$11,372.92
Total buyer cash needed$158,367.81
Remaining funds due$158,367.81
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%)$4,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,405.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$339.25
Initial HOA (3 months)$81.99
Prepaid interest, first (2 days)$48.66
Fees + prepaids$11,372.92
Your down payment is the seller’s equity. You take over the $281,005 balance, so the rest of the $428,000 price is paid at closing. A second mortgage can cover part of it. $158,367.81 is due at closing. Uses and sources reconcile at $439,372.92 each. Not a Closing Disclosure.