Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$184,975Cash toward the purchase price.
Closing costs + prepaids$13,316Not just lender fees.
Before credits & paid funds$198,291The complete starting cash picture.
Estimated remaining funds due at closing
$198,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,974.96
Your down payment$184,974.96
Closing costs + prepaids$13,315.96
Total buyer cash needed$198,290.92
Remaining funds due$198,290.92
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,725.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$415.25
Initial HOA (3 months)$378.00
Prepaid interest, first (1 days)$29.59
Fees + prepaids$13,315.96
Your down payment is the seller’s equity. You take over the $345,025 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $198,290.92 is due at closing. Uses and sources reconcile at $543,315.96 each. Not a Closing Disclosure.