Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,955Cash toward the purchase price.
Closing costs + prepaids$10,704Not just lender fees.
Before credits & paid funds$184,660The complete starting cash picture.
Estimated remaining funds due at closing
$184,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,955.17
Your down payment$173,955.17
Closing costs + prepaids$10,704.37
Total buyer cash needed$184,659.54
Remaining funds due$184,659.54
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,055.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$541.25
Prepaid interest, first (2 days)$39.90
Fees + prepaids$10,704.37
Your down payment is the seller’s equity. You take over the $211,045 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $184,659.54 is due at closing. Uses and sources reconcile at $395,704.37 each. Not a Closing Disclosure.