Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$160,598Cash toward the purchase price.
Closing costs + prepaids$10,927Not just lender fees.
Before credits & paid funds$171,525The complete starting cash picture.
Estimated remaining funds due at closing
$171,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,598.04
Your down payment$160,598.04
Closing costs + prepaids$10,926.59
Total buyer cash needed$171,524.63
Remaining funds due$171,524.63
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,147.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$445.50
Initial HOA (3 months)$180.00
Prepaid interest, first (2 days)$36.08
Fees + prepaids$10,926.59
Your down payment is the seller’s equity. You take over the $229,402 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $171,524.63 is due at closing. Uses and sources reconcile at $400,926.59 each. Not a Closing Disclosure.