Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$233,325Cash toward the purchase price.
Closing costs + prepaids$11,879Not just lender fees.
Before credits & paid funds$245,204The complete starting cash picture.
Estimated remaining funds due at closing
$245,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,324.98
Your down payment$233,324.98
Closing costs + prepaids$11,878.55
Total buyer cash needed$245,203.53
Remaining funds due$245,203.53
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$933.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,492.50
Prepaid interest, first (2 days)$34.68
Fees + prepaids$11,878.55
Your down payment is the seller’s equity. You take over the $186,675 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $245,203.53 is due at closing. Uses and sources reconcile at $431,878.55 each. Not a Closing Disclosure.