Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$237,536Cash toward the purchase price.
Closing costs + prepaids$10,926Not just lender fees.
Before credits & paid funds$248,462The complete starting cash picture.
Estimated remaining funds due at closing
$248,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,535.87
Your down payment$237,535.87
Closing costs + prepaids$10,925.76
Total buyer cash needed$248,461.64
Remaining funds due$248,461.64
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$857.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.25
Initial HOA (3 months)$201.00
Prepaid interest, first (1 days)$17.19
Fees + prepaids$10,925.76
Your down payment is the seller’s equity. You take over the $171,464 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $248,461.64 is due at closing. Uses and sources reconcile at $419,925.76 each. Not a Closing Disclosure.