Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$222,849Cash toward the purchase price.
Closing costs + prepaids$9,836Not just lender fees.
Before credits & paid funds$232,685The complete starting cash picture.
Estimated remaining funds due at closing
$232,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,849.49
Your down payment$222,849.49
Closing costs + prepaids$9,835.74
Total buyer cash needed$232,685.23
Remaining funds due$232,685.23
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%)$3,759.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$765.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$79.00
Prepaid interest, first (1 days)$13.01
Fees + prepaids$9,835.74
Your down payment is the seller’s equity. You take over the $153,150 balance, so the rest of the $375,999 price is paid at closing. A second mortgage can cover part of it. $232,685.23 is due at closing. Uses and sources reconcile at $385,834.74 each. Not a Closing Disclosure.