Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$199,378Cash toward the purchase price.
Closing costs + prepaids$11,687Not just lender fees.
Before credits & paid funds$211,065The complete starting cash picture.
Estimated remaining funds due at closing
$211,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,377.82
Your down payment$199,377.82
Closing costs + prepaids$11,687.36
Total buyer cash needed$211,065.18
Remaining funds due$211,065.18
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,253.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.50
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$25.75
Fees + prepaids$11,687.36
Your down payment is the seller’s equity. You take over the $250,622 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $211,065.18 is due at closing. Uses and sources reconcile at $461,687.36 each. Not a Closing Disclosure.