Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$243,190Cash toward the purchase price.
Closing costs + prepaids$10,388Not just lender fees.
Before credits & paid funds$253,579The complete starting cash picture.
Estimated remaining funds due at closing
$253,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,190.49
Your down payment$243,190.49
Closing costs + prepaids$10,388.16
Total buyer cash needed$253,578.65
Remaining funds due$253,578.65
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$709.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.75
Initial HOA (3 months)$195.99
Prepaid interest, first (1 days)$10.37
Fees + prepaids$10,388.16
Your down payment is the seller’s equity. You take over the $141,810 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $253,578.65 is due at closing. Uses and sources reconcile at $395,388.16 each. Not a Closing Disclosure.