Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$217,339Cash toward the purchase price.
Closing costs + prepaids$10,690Not just lender fees.
Before credits & paid funds$228,029The complete starting cash picture.
Estimated remaining funds due at closing
$228,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,338.80
Your down payment$217,338.80
Closing costs + prepaids$10,690.21
Total buyer cash needed$228,029.02
Remaining funds due$228,029.02
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,013.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$241.75
Prepaid interest, first (1 days)$17.16
Fees + prepaids$10,690.21
Your down payment is the seller’s equity. You take over the $202,661 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $228,029.02 is due at closing. Uses and sources reconcile at $430,690.21 each. Not a Closing Disclosure.