Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$212,439Cash toward the purchase price.
Closing costs + prepaids$20,511Not just lender fees.
Before credits & paid funds$232,950The complete starting cash picture.
Estimated remaining funds due at closing
$232,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,439.07
Your down payment$212,439.07
Closing costs + prepaids$20,511.37
Total buyer cash needed$232,950.44
Remaining funds due$232,950.44
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%)$9,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,512.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,324.50
Initial HOA (3 months)$200.01
Prepaid interest, first (1 days)$106.06
Fees + prepaids$20,511.37
Your down payment is the seller’s equity. You take over the $702,561 balance, so the rest of the $915,000 price is paid at closing. A second mortgage can cover part of it. $232,950.44 is due at closing. Uses and sources reconcile at $935,511.37 each. Not a Closing Disclosure.