Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$236,358Cash toward the purchase price.
Closing costs + prepaids$11,166Not just lender fees.
Before credits & paid funds$247,524The complete starting cash picture.
Estimated remaining funds due at closing
$247,524No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,358.46
Your down payment$236,358.46
Closing costs + prepaids$11,166.04
Total buyer cash needed$247,524.50
Remaining funds due$247,524.50
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$893.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.50
Initial HOA (3 months)$381.00
Prepaid interest, first (2 days)$40.33
Fees + prepaids$11,166.04
Your down payment is the seller’s equity. You take over the $178,642 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $247,524.50 is due at closing. Uses and sources reconcile at $426,166.04 each. Not a Closing Disclosure.