Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$188,919Cash toward the purchase price.
Closing costs + prepaids$12,929Not just lender fees.
Before credits & paid funds$201,848The complete starting cash picture.
Estimated remaining funds due at closing
$201,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,919.49
Your down payment$188,919.49
Closing costs + prepaids$12,928.93
Total buyer cash needed$201,848.41
Remaining funds due$201,848.41
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%)$4,275.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,192.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,503.75
Prepaid interest, first (30 days)$739.27
Fees + prepaids$12,928.93
Your down payment is the seller’s equity. You take over the $238,581 balance, so the rest of the $427,500 price is paid at closing. A second mortgage can cover part of it. $201,848.41 is due at closing. Uses and sources reconcile at $440,428.93 each. Not a Closing Disclosure.