Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$202,399Cash toward the purchase price.
Closing costs + prepaids$11,492Not just lender fees.
Before credits & paid funds$213,891The complete starting cash picture.
Estimated remaining funds due at closing
$213,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,399.19
Your down payment$202,399.19
Closing costs + prepaids$11,492.07
Total buyer cash needed$213,891.26
Remaining funds due$213,891.26
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,237.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.00
Initial HOA (3 months)$204.00
Prepaid interest, first (1 days)$21.56
Fees + prepaids$11,492.07
Your down payment is the seller’s equity. You take over the $247,501 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $213,891.26 is due at closing. Uses and sources reconcile at $461,392.07 each. Not a Closing Disclosure.