Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$200,575Cash toward the purchase price.
Closing costs + prepaids$10,685Not just lender fees.
Before credits & paid funds$211,260The complete starting cash picture.
Estimated remaining funds due at closing
$211,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,574.86
Your down payment$200,574.86
Closing costs + prepaids$10,684.79
Total buyer cash needed$211,259.65
Remaining funds due$211,259.65
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%)$3,860.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$927.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$386.50
Initial HOA (3 months)$264.00
Prepaid interest, first (2 days)$29.16
Fees + prepaids$10,684.79
Your down payment is the seller’s equity. You take over the $185,425 balance, so the rest of the $386,000 price is paid at closing. A second mortgage can cover part of it. $211,259.65 is due at closing. Uses and sources reconcile at $396,684.79 each. Not a Closing Disclosure.