Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$209,464Cash toward the purchase price.
Closing costs + prepaids$9,861Not just lender fees.
Before credits & paid funds$219,325The complete starting cash picture.
Estimated remaining funds due at closing
$219,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,464.20
Your down payment$209,464.20
Closing costs + prepaids$9,861.13
Total buyer cash needed$219,325.33
Remaining funds due$219,325.33
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$597.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$708.75
Initial HOA (3 months)$17.49
Prepaid interest, first (2 days)$29.21
Fees + prepaids$9,861.13
Your down payment is the seller’s equity. You take over the $119,536 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $219,325.33 is due at closing. Uses and sources reconcile at $338,861.13 each. Not a Closing Disclosure.