Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$196,699Cash toward the purchase price.
Closing costs + prepaids$11,749Not just lender fees.
Before credits & paid funds$208,448The complete starting cash picture.
Estimated remaining funds due at closing
$208,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,699.06
Your down payment$196,699.06
Closing costs + prepaids$11,749.41
Total buyer cash needed$208,448.47
Remaining funds due$208,448.47
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%)$4,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,186.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$679.75
Initial HOA (3 months)$279.00
Prepaid interest, first (1 days)$46.16
Fees + prepaids$11,749.41
Your down payment is the seller’s equity. You take over the $237,301 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $208,448.47 is due at closing. Uses and sources reconcile at $445,749.41 each. Not a Closing Disclosure.