Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$193,725Cash toward the purchase price.
Closing costs + prepaids$9,137Not just lender fees.
Before credits & paid funds$202,863The complete starting cash picture.
Estimated remaining funds due at closing
$202,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,725.49
Your down payment$193,725.49
Closing costs + prepaids$9,137.37
Total buyer cash needed$202,862.86
Remaining funds due$202,862.86
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%)$2,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$505.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$440.00
Initial HOA (3 months)$16.26
Prepaid interest, first (1 days)$8.23
Fees + prepaids$9,137.37
Your down payment is the seller’s equity. You take over the $101,175 balance, so the rest of the $294,900 price is paid at closing. A second mortgage can cover part of it. $202,862.86 is due at closing. Uses and sources reconcile at $304,037.37 each. Not a Closing Disclosure.