Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$208,061Cash toward the purchase price.
Closing costs + prepaids$10,737Not just lender fees.
Before credits & paid funds$218,798The complete starting cash picture.
Estimated remaining funds due at closing
$218,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,060.77
Your down payment$208,060.77
Closing costs + prepaids$10,737.13
Total buyer cash needed$218,797.90
Remaining funds due$218,797.90
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%)$3,930.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$924.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$386.50
Initial HOA (3 months)$264.00
Prepaid interest, first (1 days)$13.93
Fees + prepaids$10,737.13
Your down payment is the seller’s equity. You take over the $184,939 balance, so the rest of the $393,000 price is paid at closing. A second mortgage can cover part of it. $218,797.90 is due at closing. Uses and sources reconcile at $403,737.13 each. Not a Closing Disclosure.