Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,237Cash toward the purchase price.
Closing costs + prepaids$10,982Not just lender fees.
Before credits & paid funds$199,219The complete starting cash picture.
Estimated remaining funds due at closing
$199,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,236.90
Your down payment$188,236.90
Closing costs + prepaids$10,982.40
Total buyer cash needed$199,219.31
Remaining funds due$199,219.31
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,183.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$317.50
Prepaid interest, first (1 days)$14.59
Fees + prepaids$10,982.40
Your down payment is the seller’s equity. You take over the $236,663 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $199,219.31 is due at closing. Uses and sources reconcile at $435,882.40 each. Not a Closing Disclosure.