Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$233,836Cash toward the purchase price.
Closing costs + prepaids$10,364Not just lender fees.
Before credits & paid funds$244,200The complete starting cash picture.
Estimated remaining funds due at closing
$244,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,836.07
Your down payment$233,836.07
Closing costs + prepaids$10,363.82
Total buyer cash needed$244,199.88
Remaining funds due$244,199.88
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%)$905.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$15.50
Initial HOA (3 months)$38.76
Prepaid interest, first (2 days)$35.74
Fees + prepaids$10,363.82
Your down payment is the seller’s equity. You take over the $181,164 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $244,199.88 is due at closing. Uses and sources reconcile at $425,363.82 each. Not a Closing Disclosure.