Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$195,121Cash toward the purchase price.
Closing costs + prepaids$12,796Not just lender fees.
Before credits & paid funds$207,917The complete starting cash picture.
Estimated remaining funds due at closing
$207,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,121.18
Your down payment$195,121.18
Closing costs + prepaids$12,796.28
Total buyer cash needed$207,917.46
Remaining funds due$207,917.46
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,174.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,091.75
Initial HOA (3 months)$94.50
Prepaid interest, first (31 days)$917.64
Fees + prepaids$12,796.28
Your down payment is the seller’s equity. You take over the $234,879 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $207,917.46 is due at closing. Uses and sources reconcile at $442,796.28 each. Not a Closing Disclosure.