Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$187,435Cash toward the purchase price.
Closing costs + prepaids$14,562Not just lender fees.
Before credits & paid funds$201,997The complete starting cash picture.
Estimated remaining funds due at closing
$201,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,435.23
Your down payment$187,435.23
Closing costs + prepaids$14,561.66
Total buyer cash needed$201,996.89
Remaining funds due$201,996.89
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%)$6,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,312.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$236.00
Prepaid interest, first (1 days)$44.99
Fees + prepaids$14,561.66
Your down payment is the seller’s equity. You take over the $462,555 balance, so the rest of the $649,990 price is paid at closing. A second mortgage can cover part of it. $201,996.89 is due at closing. Uses and sources reconcile at $664,551.66 each. Not a Closing Disclosure.