Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$207,885Cash toward the purchase price.
Closing costs + prepaids$10,590Not just lender fees.
Before credits & paid funds$218,475The complete starting cash picture.
Estimated remaining funds due at closing
$218,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,885.46
Your down payment$207,885.46
Closing costs + prepaids$10,589.79
Total buyer cash needed$218,475.25
Remaining funds due$218,475.25
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%)$3,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$953.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.50
Prepaid interest, first (2 days)$26.22
Fees + prepaids$10,589.79
Your down payment is the seller’s equity. You take over the $190,615 balance, so the rest of the $398,500 price is paid at closing. A second mortgage can cover part of it. $218,475.25 is due at closing. Uses and sources reconcile at $409,089.79 each. Not a Closing Disclosure.