Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$234,022Cash toward the purchase price.
Closing costs + prepaids$13,183Not just lender fees.
Before credits & paid funds$247,205The complete starting cash picture.
Estimated remaining funds due at closing
$247,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,022.28
Your down payment$234,022.28
Closing costs + prepaids$13,182.80
Total buyer cash needed$247,205.08
Remaining funds due$247,205.08
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$904.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,875.50
Prepaid interest, first (2 days)$34.41
Fees + prepaids$13,182.80
Your down payment is the seller’s equity. You take over the $180,978 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $247,205.08 is due at closing. Uses and sources reconcile at $428,182.80 each. Not a Closing Disclosure.