Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$189,490Cash toward the purchase price.
Closing costs + prepaids$9,657Not just lender fees.
Before credits & paid funds$199,147The complete starting cash picture.
Estimated remaining funds due at closing
$199,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,489.90
Your down payment$189,489.90
Closing costs + prepaids$9,656.74
Total buyer cash needed$199,146.64
Remaining funds due$199,146.64
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%)$2,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$392.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.00
Initial HOA (3 months)$900.00
Prepaid interest, first (2 days)$19.19
Fees + prepaids$9,656.74
Your down payment is the seller’s equity. You take over the $78,510 balance, so the rest of the $268,000 price is paid at closing. A second mortgage can cover part of it. $199,146.64 is due at closing. Uses and sources reconcile at $277,656.74 each. Not a Closing Disclosure.