Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$238,944Cash toward the purchase price.
Closing costs + prepaids$11,483Not just lender fees.
Before credits & paid funds$250,427The complete starting cash picture.
Estimated remaining funds due at closing
$250,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,944.46
Your down payment$238,944.46
Closing costs + prepaids$11,482.80
Total buyer cash needed$250,427.26
Remaining funds due$250,427.26
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%)$4,269.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$939.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.75
Initial HOA (3 months)$327.00
Prepaid interest, first (1 days)$16.27
Fees + prepaids$11,482.80
Your down payment is the seller’s equity. You take over the $187,956 balance, so the rest of the $426,900 price is paid at closing. A second mortgage can cover part of it. $250,427.26 is due at closing. Uses and sources reconcile at $438,382.80 each. Not a Closing Disclosure.