Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$199,399Cash toward the purchase price.
Closing costs + prepaids$11,269Not just lender fees.
Before credits & paid funds$210,668The complete starting cash picture.
Estimated remaining funds due at closing
$210,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,398.92
Your down payment$199,398.92
Closing costs + prepaids$11,269.08
Total buyer cash needed$210,668.00
Remaining funds due$210,668.00
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,103.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.00
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$18.07
Fees + prepaids$11,269.08
Your down payment is the seller’s equity. You take over the $220,601 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $210,668.00 is due at closing. Uses and sources reconcile at $431,269.08 each. Not a Closing Disclosure.