Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$177,321Cash toward the purchase price.
Closing costs + prepaids$11,679Not just lender fees.
Before credits & paid funds$188,999The complete starting cash picture.
Estimated remaining funds due at closing
$188,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,320.79
Your down payment$177,320.79
Closing costs + prepaids$11,678.70
Total buyer cash needed$188,999.49
Remaining funds due$188,999.49
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,312.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.00
Initial HOA (3 months)$275.01
Prepaid interest, first (1 days)$21.80
Fees + prepaids$11,678.70
Your down payment is the seller’s equity. You take over the $262,579 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $188,999.49 is due at closing. Uses and sources reconcile at $451,578.70 each. Not a Closing Disclosure.