Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$184,623Cash toward the purchase price.
Closing costs + prepaids$11,908Not just lender fees.
Before credits & paid funds$196,530The complete starting cash picture.
Estimated remaining funds due at closing
$196,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,622.76
Your down payment$184,622.76
Closing costs + prepaids$11,907.69
Total buyer cash needed$196,530.45
Remaining funds due$196,530.45
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%)$3,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,071.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,359.00
Initial HOA (3 months)$246.00
Prepaid interest, first (1 days)$24.30
Fees + prepaids$11,907.69
Your down payment is the seller’s equity. You take over the $214,277 balance, so the rest of the $398,900 price is paid at closing. A second mortgage can cover part of it. $196,530.45 is due at closing. Uses and sources reconcile at $410,807.69 each. Not a Closing Disclosure.