Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$217,174Cash toward the purchase price.
Closing costs + prepaids$13,801Not just lender fees.
Before credits & paid funds$230,975The complete starting cash picture.
Estimated remaining funds due at closing
$230,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,173.85
Your down payment$217,173.85
Closing costs + prepaids$13,801.12
Total buyer cash needed$230,974.98
Remaining funds due$230,974.98
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%)$4,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,061.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,073.75
Initial HOA (3 months)$1,521.00
Prepaid interest, first (30 days)$631.74
Fees + prepaids$13,801.12
Your down payment is the seller’s equity. You take over the $212,326 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $230,974.98 is due at closing. Uses and sources reconcile at $443,301.12 each. Not a Closing Disclosure.