Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$194,479Cash toward the purchase price.
Closing costs + prepaids$17,076Not just lender fees.
Before credits & paid funds$211,555The complete starting cash picture.
Estimated remaining funds due at closing
$211,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,479.07
Your down payment$194,479.07
Closing costs + prepaids$17,075.51
Total buyer cash needed$211,554.58
Remaining funds due$211,554.58
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%)$6,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,177.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,738.75
Initial HOA (3 months)$1,350.00
Prepaid interest, first (1 days)$41.17
Fees + prepaids$17,075.51
Your down payment is the seller’s equity. You take over the $435,520 balance, so the rest of the $629,999 price is paid at closing. A second mortgage can cover part of it. $211,554.58 is due at closing. Uses and sources reconcile at $647,074.51 each. Not a Closing Disclosure.