Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$192,038Cash toward the purchase price.
Closing costs + prepaids$9,169Not just lender fees.
Before credits & paid funds$201,207The complete starting cash picture.
Estimated remaining funds due at closing
$201,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,037.83
Your down payment$192,037.83
Closing costs + prepaids$9,169.41
Total buyer cash needed$201,207.23
Remaining funds due$201,207.23
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%)$2,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$164.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$319.25
Initial HOA (3 months)$1,212.00
Prepaid interest, first (1 days)$5.35
Fees + prepaids$9,169.41
Your down payment is the seller’s equity. You take over the $32,962 balance, so the rest of the $225,000 price is paid at closing. A second mortgage can cover part of it. $201,207.23 is due at closing. Uses and sources reconcile at $234,169.41 each. Not a Closing Disclosure.