Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$236,285Cash toward the purchase price.
Closing costs + prepaids$10,744Not just lender fees.
Before credits & paid funds$247,029The complete starting cash picture.
Estimated remaining funds due at closing
$247,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,285.50
Your down payment$236,285.50
Closing costs + prepaids$10,743.77
Total buyer cash needed$247,029.27
Remaining funds due$247,029.27
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$813.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$489.75
Initial HOA (3 months)$216.00
Prepaid interest, first (1 days)$16.45
Fees + prepaids$10,743.77
Your down payment is the seller’s equity. You take over the $162,715 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $247,029.27 is due at closing. Uses and sources reconcile at $409,743.77 each. Not a Closing Disclosure.