Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$183,610Cash toward the purchase price.
Closing costs + prepaids$13,641Not just lender fees.
Before credits & paid funds$197,251The complete starting cash picture.
Estimated remaining funds due at closing
$197,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,610.24
Your down payment$183,610.24
Closing costs + prepaids$13,640.83
Total buyer cash needed$197,251.07
Remaining funds due$197,251.07
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,756.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$654.25
Initial HOA (3 months)$384.00
Prepaid interest, first (1 days)$27.63
Fees + prepaids$13,640.83
Your down payment is the seller’s equity. You take over the $351,390 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $197,251.07 is due at closing. Uses and sources reconcile at $548,640.83 each. Not a Closing Disclosure.