Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$166,620Cash toward the purchase price.
Closing costs + prepaids$11,134Not just lender fees.
Before credits & paid funds$177,754The complete starting cash picture.
Estimated remaining funds due at closing
$177,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,619.60
Your down payment$166,619.60
Closing costs + prepaids$11,134.34
Total buyer cash needed$177,753.93
Remaining funds due$177,753.93
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,141.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.25
Initial HOA (3 months)$239.01
Prepaid interest, first (2 days)$43.17
Fees + prepaids$11,134.34
Your down payment is the seller’s equity. You take over the $228,380 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $177,753.93 is due at closing. Uses and sources reconcile at $406,134.34 each. Not a Closing Disclosure.