Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$203,736Cash toward the purchase price.
Closing costs + prepaids$9,851Not just lender fees.
Before credits & paid funds$213,586The complete starting cash picture.
Estimated remaining funds due at closing
$213,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,735.58
Your down payment$203,735.58
Closing costs + prepaids$9,850.86
Total buyer cash needed$213,586.44
Remaining funds due$213,586.44
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%)$2,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$456.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$513.50
Initial HOA (3 months)$699.00
Prepaid interest, first (2 days)$14.05
Fees + prepaids$9,850.86
Your down payment is the seller’s equity. You take over the $91,263 balance, so the rest of the $294,999 price is paid at closing. A second mortgage can cover part of it. $213,586.44 is due at closing. Uses and sources reconcile at $304,849.86 each. Not a Closing Disclosure.