Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$224,822Cash toward the purchase price.
Closing costs + prepaids$10,880Not just lender fees.
Before credits & paid funds$235,703The complete starting cash picture.
Estimated remaining funds due at closing
$235,703No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,822.19
Your down payment$224,822.19
Closing costs + prepaids$10,880.43
Total buyer cash needed$235,702.62
Remaining funds due$235,702.62
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$875.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$13.29
Fees + prepaids$10,880.43
Your down payment is the seller’s equity. You take over the $175,078 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $235,702.62 is due at closing. Uses and sources reconcile at $410,780.43 each. Not a Closing Disclosure.