Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$198,268Cash toward the purchase price.
Closing costs + prepaids$11,074Not just lender fees.
Before credits & paid funds$209,342The complete starting cash picture.
Estimated remaining funds due at closing
$209,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,267.77
Your down payment$198,267.77
Closing costs + prepaids$11,074.44
Total buyer cash needed$209,342.20
Remaining funds due$209,342.20
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$908.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$848.50
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$15.77
Fees + prepaids$11,074.44
Your down payment is the seller’s equity. You take over the $181,632 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $209,342.20 is due at closing. Uses and sources reconcile at $390,974.44 each. Not a Closing Disclosure.