Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$193,195Cash toward the purchase price.
Closing costs + prepaids$12,372Not just lender fees.
Before credits & paid funds$205,568The complete starting cash picture.
Estimated remaining funds due at closing
$205,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,195.40
Your down payment$193,195.40
Closing costs + prepaids$12,372.20
Total buyer cash needed$205,567.60
Remaining funds due$205,567.60
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,084.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,079.50
Initial HOA (3 months)$873.99
Prepaid interest, first (1 days)$16.69
Fees + prepaids$12,372.20
Your down payment is the seller’s equity. You take over the $216,805 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $205,567.60 is due at closing. Uses and sources reconcile at $422,372.20 each. Not a Closing Disclosure.