Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$181,707Cash toward the purchase price.
Closing costs + prepaids$10,978Not just lender fees.
Before credits & paid funds$192,685The complete starting cash picture.
Estimated remaining funds due at closing
$192,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,707.27
Your down payment$181,707.27
Closing costs + prepaids$10,977.84
Total buyer cash needed$192,685.11
Remaining funds due$192,685.11
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,090.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.50
Initial HOA (3 months)$228.00
Prepaid interest, first (1 days)$16.38
Fees + prepaids$10,977.84
Your down payment is the seller’s equity. You take over the $218,193 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $192,685.11 is due at closing. Uses and sources reconcile at $410,877.84 each. Not a Closing Disclosure.