Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$229,138Cash toward the purchase price.
Closing costs + prepaids$10,902Not just lender fees.
Before credits & paid funds$240,041The complete starting cash picture.
Estimated remaining funds due at closing
$240,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,138.43
Your down payment$229,138.43
Closing costs + prepaids$10,902.37
Total buyer cash needed$240,040.80
Remaining funds due$240,040.80
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$929.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.00
Initial HOA (3 months)$237.99
Prepaid interest, first (1 days)$15.07
Fees + prepaids$10,902.37
Your down payment is the seller’s equity. You take over the $185,862 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $240,040.80 is due at closing. Uses and sources reconcile at $425,902.37 each. Not a Closing Disclosure.