Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$239,094Cash toward the purchase price.
Closing costs + prepaids$10,949Not just lender fees.
Before credits & paid funds$250,043The complete starting cash picture.
Estimated remaining funds due at closing
$250,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,094.42
Your down payment$239,094.42
Closing costs + prepaids$10,948.56
Total buyer cash needed$250,042.98
Remaining funds due$250,042.98
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$779.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.25
Prepaid interest, first (1 days)$15.28
Fees + prepaids$10,948.56
Your down payment is the seller’s equity. You take over the $155,806 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $250,042.98 is due at closing. Uses and sources reconcile at $405,848.56 each. Not a Closing Disclosure.