Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$234,446Cash toward the purchase price.
Closing costs + prepaids$10,860Not just lender fees.
Before credits & paid funds$245,305The complete starting cash picture.
Estimated remaining funds due at closing
$245,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,445.59
Your down payment$234,445.59
Closing costs + prepaids$10,859.52
Total buyer cash needed$245,305.12
Remaining funds due$245,305.12
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$927.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.50
Initial HOA (3 months)$63.00
Prepaid interest, first (1 days)$15.75
Fees + prepaids$10,859.52
Your down payment is the seller’s equity. You take over the $185,454 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $245,305.12 is due at closing. Uses and sources reconcile at $430,759.52 each. Not a Closing Disclosure.