Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$202,398Cash toward the purchase price.
Closing costs + prepaids$8,511Not just lender fees.
Before credits & paid funds$210,909The complete starting cash picture.
Estimated remaining funds due at closing
$210,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,398.13
Your down payment$202,398.13
Closing costs + prepaids$8,511.03
Total buyer cash needed$210,909.16
Remaining funds due$210,909.16
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%)$2,159.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$68.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$355.00
Initial HOA (3 months)$708.00
Prepaid interest, first (2 days)$2.03
Fees + prepaids$8,511.03
Your down payment is the seller’s equity. You take over the $13,601 balance, so the rest of the $215,999 price is paid at closing. A second mortgage can cover part of it. $210,909.16 is due at closing. Uses and sources reconcile at $224,510.03 each. Not a Closing Disclosure.