Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$222,142Cash toward the purchase price.
Closing costs + prepaids$13,458Not just lender fees.
Before credits & paid funds$235,600The complete starting cash picture.
Estimated remaining funds due at closing
$235,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,141.70
Your down payment$222,141.70
Closing costs + prepaids$13,457.84
Total buyer cash needed$235,599.54
Remaining funds due$235,599.54
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$984.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$771.75
Initial HOA (3 months)$2,274.00
Prepaid interest, first (1 days)$19.79
Fees + prepaids$13,457.84
Your down payment is the seller’s equity. You take over the $196,858 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $235,599.54 is due at closing. Uses and sources reconcile at $432,457.84 each. Not a Closing Disclosure.