Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$195,508Cash toward the purchase price.
Closing costs + prepaids$10,358Not just lender fees.
Before credits & paid funds$205,867The complete starting cash picture.
Estimated remaining funds due at closing
$205,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,508.17
Your down payment$195,508.17
Closing costs + prepaids$10,358.34
Total buyer cash needed$205,866.51
Remaining funds due$205,866.51
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$847.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$424.25
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$18.62
Fees + prepaids$10,358.34
Your down payment is the seller’s equity. You take over the $169,492 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $205,866.51 is due at closing. Uses and sources reconcile at $375,358.34 each. Not a Closing Disclosure.