Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$211,191Cash toward the purchase price.
Closing costs + prepaids$12,121Not just lender fees.
Before credits & paid funds$223,312The complete starting cash picture.
Estimated remaining funds due at closing
$223,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,190.76
Your down payment$211,190.76
Closing costs + prepaids$12,120.89
Total buyer cash needed$223,311.65
Remaining funds due$223,311.65
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,394.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$337.00
Prepaid interest, first (1 days)$21.85
Fees + prepaids$12,120.89
Your down payment is the seller’s equity. You take over the $278,809 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $223,311.65 is due at closing. Uses and sources reconcile at $502,120.89 each. Not a Closing Disclosure.