Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,723Cash toward the purchase price.
Closing costs + prepaids$13,986Not just lender fees.
Before credits & paid funds$202,709The complete starting cash picture.
Estimated remaining funds due at closing
$202,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,722.52
Your down payment$188,722.52
Closing costs + prepaids$13,986.43
Total buyer cash needed$202,708.96
Remaining funds due$202,708.96
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,931.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$569.25
Initial HOA (3 months)$237.00
Prepaid interest, first (1 days)$30.80
Fees + prepaids$13,986.43
Your down payment is the seller’s equity. You take over the $386,277 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $202,708.96 is due at closing. Uses and sources reconcile at $588,986.43 each. Not a Closing Disclosure.