Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$193,938Cash toward the purchase price.
Closing costs + prepaids$15,253Not just lender fees.
Before credits & paid funds$209,191The complete starting cash picture.
Estimated remaining funds due at closing
$209,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,938.02
Your down payment$193,938.02
Closing costs + prepaids$15,252.52
Total buyer cash needed$209,190.54
Remaining funds due$209,190.54
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%)$5,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,580.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,682.50
Initial HOA (3 months)$1,398.00
Prepaid interest, first (1 days)$23.73
Fees + prepaids$15,252.52
Your down payment is the seller’s equity. You take over the $316,061 balance, so the rest of the $509,999 price is paid at closing. A second mortgage can cover part of it. $209,190.54 is due at closing. Uses and sources reconcile at $525,251.52 each. Not a Closing Disclosure.