Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,612Cash toward the purchase price.
Closing costs + prepaids$9,985Not just lender fees.
Before credits & paid funds$198,598The complete starting cash picture.
Estimated remaining funds due at closing
$198,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,612.15
Your down payment$188,612.15
Closing costs + prepaids$9,985.48
Total buyer cash needed$198,597.63
Remaining funds due$198,597.63
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$701.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$527.50
Initial HOA (3 months)$237.00
Prepaid interest, first (1 days)$11.04
Fees + prepaids$9,985.48
Your down payment is the seller’s equity. You take over the $140,388 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $198,597.63 is due at closing. Uses and sources reconcile at $338,985.48 each. Not a Closing Disclosure.