Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$199,378Cash toward the purchase price.
Closing costs + prepaids$10,557Not just lender fees.
Before credits & paid funds$209,934The complete starting cash picture.
Estimated remaining funds due at closing
$209,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,377.59
Your down payment$199,377.59
Closing costs + prepaids$10,556.60
Total buyer cash needed$209,934.19
Remaining funds due$209,934.19
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$978.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.50
Prepaid interest, first (2 days)$57.99
Fees + prepaids$10,556.60
Your down payment is the seller’s equity. You take over the $195,622 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $209,934.19 is due at closing. Uses and sources reconcile at $405,556.60 each. Not a Closing Disclosure.