Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$172,128Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$182,870The complete starting cash picture.
Estimated remaining funds due at closing
$182,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,128.48
Your down payment$172,128.48
Closing costs + prepaids$10,741.70
Total buyer cash needed$182,870.18
Remaining funds due$182,870.18
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,139.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.50
Prepaid interest, first (1 days)$18.85
Fees + prepaids$10,741.70
Your down payment is the seller’s equity. You take over the $227,871 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $182,870.18 is due at closing. Uses and sources reconcile at $410,740.70 each. Not a Closing Disclosure.