Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$214,214Cash toward the purchase price.
Closing costs + prepaids$10,497Not just lender fees.
Before credits & paid funds$224,711The complete starting cash picture.
Estimated remaining funds due at closing
$224,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,213.62
Your down payment$214,213.62
Closing costs + prepaids$10,497.39
Total buyer cash needed$224,711.01
Remaining funds due$224,711.01
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.00
Prepaid interest, first (1 days)$14.46
Fees + prepaids$10,497.39
Your down payment is the seller’s equity. You take over the $174,786 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $224,711.01 is due at closing. Uses and sources reconcile at $399,497.39 each. Not a Closing Disclosure.