Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$234,063Cash toward the purchase price.
Closing costs + prepaids$10,991Not just lender fees.
Before credits & paid funds$245,054The complete starting cash picture.
Estimated remaining funds due at closing
$245,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,063.14
Your down payment$234,063.14
Closing costs + prepaids$10,990.58
Total buyer cash needed$245,053.73
Remaining funds due$245,053.73
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$929.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$608.25
Prepaid interest, first (2 days)$36.15
Fees + prepaids$10,990.58
Your down payment is the seller’s equity. You take over the $185,837 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $245,053.73 is due at closing. Uses and sources reconcile at $430,890.58 each. Not a Closing Disclosure.