Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$198,914Cash toward the purchase price.
Closing costs + prepaids$10,747Not just lender fees.
Before credits & paid funds$209,661The complete starting cash picture.
Estimated remaining funds due at closing
$209,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,913.71
Your down payment$198,913.71
Closing costs + prepaids$10,747.12
Total buyer cash needed$209,660.84
Remaining funds due$209,660.84
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%)$1,055.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$357.50
Prepaid interest, first (1 days)$16.19
Fees + prepaids$10,747.12
Your down payment is the seller’s equity. You take over the $211,086 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $209,660.84 is due at closing. Uses and sources reconcile at $420,747.12 each. Not a Closing Disclosure.