Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$210,132Cash toward the purchase price.
Closing costs + prepaids$10,436Not just lender fees.
Before credits & paid funds$220,568The complete starting cash picture.
Estimated remaining funds due at closing
$220,568No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,132.11
Your down payment$210,132.11
Closing costs + prepaids$10,436.33
Total buyer cash needed$220,568.44
Remaining funds due$220,568.44
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$823.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$631.00
Prepaid interest, first (1 days)$14.49
Fees + prepaids$10,436.33
Your down payment is the seller’s equity. You take over the $164,768 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $220,568.44 is due at closing. Uses and sources reconcile at $385,336.33 each. Not a Closing Disclosure.