Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$226,259Cash toward the purchase price.
Closing costs + prepaids$10,544Not just lender fees.
Before credits & paid funds$236,804The complete starting cash picture.
Estimated remaining funds due at closing
$236,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,259.40
Your down payment$226,259.40
Closing costs + prepaids$10,544.27
Total buyer cash needed$236,803.67
Remaining funds due$236,803.67
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$868.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$416.25
Initial HOA (3 months)$27.51
Prepaid interest, first (1 days)$13.80
Fees + prepaids$10,544.27
Your down payment is the seller’s equity. You take over the $173,741 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $236,803.67 is due at closing. Uses and sources reconcile at $410,544.27 each. Not a Closing Disclosure.