Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$190,400Cash toward the purchase price.
Closing costs + prepaids$11,218Not just lender fees.
Before credits & paid funds$201,618The complete starting cash picture.
Estimated remaining funds due at closing
$201,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,399.87
Your down payment$190,399.87
Closing costs + prepaids$11,218.01
Total buyer cash needed$201,617.89
Remaining funds due$201,617.89
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%)$4,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,223.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.75
Prepaid interest, first (1 days)$15.28
Fees + prepaids$11,218.01
Your down payment is the seller’s equity. You take over the $244,599 balance, so the rest of the $434,999 price is paid at closing. A second mortgage can cover part of it. $201,617.89 is due at closing. Uses and sources reconcile at $446,217.01 each. Not a Closing Disclosure.