Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$171,481Cash toward the purchase price.
Closing costs + prepaids$11,219Not just lender fees.
Before credits & paid funds$182,700The complete starting cash picture.
Estimated remaining funds due at closing
$182,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,481.15
Your down payment$171,481.15
Closing costs + prepaids$11,219.00
Total buyer cash needed$182,700.15
Remaining funds due$182,700.15
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%)$3,849.28
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,067.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.00
Prepaid interest, first (2 days)$47.48
Fees + prepaids$11,219.00
Your down payment is the seller’s equity. You take over the $213,447 balance, so the rest of the $384,928 price is paid at closing. A second mortgage can cover part of it. $182,700.15 is due at closing. Uses and sources reconcile at $396,147.00 each. Not a Closing Disclosure.