Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$188,604Cash toward the purchase price.
Closing costs + prepaids$15,975Not just lender fees.
Before credits & paid funds$204,579The complete starting cash picture.
Estimated remaining funds due at closing
$204,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,603.67
Your down payment$188,603.67
Closing costs + prepaids$15,975.00
Total buyer cash needed$204,578.68
Remaining funds due$204,578.68
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%)$6,998.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,556.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$742.75
Initial HOA (3 months)$129.99
Prepaid interest, first (1 days)$78.80
Fees + prepaids$15,975.00
Your down payment is the seller’s equity. You take over the $511,295 balance, so the rest of the $699,899 price is paid at closing. A second mortgage can cover part of it. $204,578.68 is due at closing. Uses and sources reconcile at $715,874.00 each. Not a Closing Disclosure.