Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$187,846Cash toward the purchase price.
Closing costs + prepaids$10,958Not just lender fees.
Before credits & paid funds$198,805The complete starting cash picture.
Estimated remaining funds due at closing
$198,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,846.44
Your down payment$187,846.44
Closing costs + prepaids$10,958.28
Total buyer cash needed$198,804.73
Remaining funds due$198,804.73
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%)$3,699.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$910.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$601.25
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$18.41
Fees + prepaids$10,958.28
Your down payment is the seller’s equity. You take over the $182,144 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $198,804.73 is due at closing. Uses and sources reconcile at $380,948.28 each. Not a Closing Disclosure.