Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$170,850Cash toward the purchase price.
Closing costs + prepaids$8,589Not just lender fees.
Before credits & paid funds$179,439The complete starting cash picture.
Estimated remaining funds due at closing
$179,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,850.00
Your down payment$170,850.00
Closing costs + prepaids$8,589.45
Total buyer cash needed$179,439.45
Remaining funds due$179,439.45
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%)$2,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$185.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.75
Initial HOA (3 months)$900.00
Prepaid interest, first (1 days)$2.95
Fees + prepaids$8,589.45
Your down payment is the seller’s equity. You take over the $37,150 balance, so the rest of the $208,000 price is paid at closing. A second mortgage can cover part of it. $179,439.45 is due at closing. Uses and sources reconcile at $216,589.45 each. Not a Closing Disclosure.