Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$221,311Cash toward the purchase price.
Closing costs + prepaids$11,656Not just lender fees.
Before credits & paid funds$232,967The complete starting cash picture.
Estimated remaining funds due at closing
$232,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,310.59
Your down payment$221,310.59
Closing costs + prepaids$11,656.10
Total buyer cash needed$232,966.69
Remaining funds due$232,966.69
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$942.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$581.00
Initial HOA (3 months)$795.00
Prepaid interest, first (1 days)$20.15
Fees + prepaids$11,656.10
Your down payment is the seller’s equity. You take over the $188,589 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $232,966.69 is due at closing. Uses and sources reconcile at $421,556.10 each. Not a Closing Disclosure.