Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$219,010Cash toward the purchase price.
Closing costs + prepaids$11,434Not just lender fees.
Before credits & paid funds$230,444The complete starting cash picture.
Estimated remaining funds due at closing
$230,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,009.93
Your down payment$219,009.93
Closing costs + prepaids$11,434.17
Total buyer cash needed$230,444.10
Remaining funds due$230,444.10
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$954.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$588.25
Prepaid interest, first (30 days)$572.97
Fees + prepaids$11,434.17
Your down payment is the seller’s equity. You take over the $190,990 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $230,444.10 is due at closing. Uses and sources reconcile at $421,434.17 each. Not a Closing Disclosure.