Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$196,218Cash toward the purchase price.
Closing costs + prepaids$11,372Not just lender fees.
Before credits & paid funds$207,590The complete starting cash picture.
Estimated remaining funds due at closing
$207,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,217.71
Your down payment$196,217.71
Closing costs + prepaids$11,372.27
Total buyer cash needed$207,589.98
Remaining funds due$207,589.98
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%)$3,375.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$706.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$843.75
Initial HOA (3 months)$1,200.00
Prepaid interest, first (2 days)$29.11
Fees + prepaids$11,372.27
Your down payment is the seller’s equity. You take over the $141,282 balance, so the rest of the $337,500 price is paid at closing. A second mortgage can cover part of it. $207,589.98 is due at closing. Uses and sources reconcile at $348,872.27 each. Not a Closing Disclosure.