Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$190,052Cash toward the purchase price.
Closing costs + prepaids$15,678Not just lender fees.
Before credits & paid funds$205,730The complete starting cash picture.
Estimated remaining funds due at closing
$205,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,052.09
Your down payment$190,052.09
Closing costs + prepaids$15,678.13
Total buyer cash needed$205,730.22
Remaining funds due$205,730.22
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%)$6,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,099.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,612.00
Initial HOA (3 months)$315.00
Prepaid interest, first (2 days)$84.89
Fees + prepaids$15,678.13
Your down payment is the seller’s equity. You take over the $419,848 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $205,730.22 is due at closing. Uses and sources reconcile at $625,578.13 each. Not a Closing Disclosure.