Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$186,063Cash toward the purchase price.
Closing costs + prepaids$11,427Not just lender fees.
Before credits & paid funds$197,490The complete starting cash picture.
Estimated remaining funds due at closing
$197,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$186,063.39
Your down payment$186,063.39
Closing costs + prepaids$11,426.94
Total buyer cash needed$197,490.32
Remaining funds due$197,490.32
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,219.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.25
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$18.50
Fees + prepaids$11,426.94
Your down payment is the seller’s equity. You take over the $243,837 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $197,490.32 is due at closing. Uses and sources reconcile at $441,326.94 each. Not a Closing Disclosure.