Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$226,663Cash toward the purchase price.
Closing costs + prepaids$10,557Not just lender fees.
Before credits & paid funds$237,219The complete starting cash picture.
Estimated remaining funds due at closing
$237,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,662.96
Your down payment$226,662.96
Closing costs + prepaids$10,556.53
Total buyer cash needed$237,219.49
Remaining funds due$237,219.49
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$861.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.75
Prepaid interest, first (1 days)$17.09
Fees + prepaids$10,556.53
Your down payment is the seller’s equity. You take over the $172,337 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $237,219.49 is due at closing. Uses and sources reconcile at $409,556.53 each. Not a Closing Disclosure.