Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$188,817Cash toward the purchase price.
Closing costs + prepaids$11,619Not just lender fees.
Before credits & paid funds$200,436The complete starting cash picture.
Estimated remaining funds due at closing
$200,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,817.39
Your down payment$188,817.39
Closing costs + prepaids$11,618.91
Total buyer cash needed$200,436.31
Remaining funds due$200,436.31
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,155.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,007.50
Prepaid interest, first (2 days)$39.00
Fees + prepaids$11,618.91
Your down payment is the seller’s equity. You take over the $231,083 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $200,436.31 is due at closing. Uses and sources reconcile at $431,518.91 each. Not a Closing Disclosure.