Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$200,851Cash toward the purchase price.
Closing costs + prepaids$10,317Not just lender fees.
Before credits & paid funds$211,168The complete starting cash picture.
Estimated remaining funds due at closing
$211,168No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,850.69
Your down payment$200,850.69
Closing costs + prepaids$10,316.98
Total buyer cash needed$211,167.67
Remaining funds due$211,167.67
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%)$940.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$245.50
Prepaid interest, first (1 days)$22.73
Fees + prepaids$10,316.98
Your down payment is the seller’s equity. You take over the $188,149 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $211,167.67 is due at closing. Uses and sources reconcile at $399,316.98 each. Not a Closing Disclosure.