Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$211,989Cash toward the purchase price.
Closing costs + prepaids$11,201Not just lender fees.
Before credits & paid funds$223,189The complete starting cash picture.
Estimated remaining funds due at closing
$223,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,988.53
Your down payment$211,988.53
Closing costs + prepaids$11,200.72
Total buyer cash needed$223,189.26
Remaining funds due$223,189.26
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%)$985.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.00
Initial HOA (3 months)$486.00
Prepaid interest, first (1 days)$24.67
Fees + prepaids$11,200.72
Your down payment is the seller’s equity. You take over the $197,011 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $223,189.26 is due at closing. Uses and sources reconcile at $420,200.72 each. Not a Closing Disclosure.