Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$209,204Cash toward the purchase price.
Closing costs + prepaids$11,424Not just lender fees.
Before credits & paid funds$220,628The complete starting cash picture.
Estimated remaining funds due at closing
$220,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,204.11
Your down payment$209,204.11
Closing costs + prepaids$11,423.68
Total buyer cash needed$220,627.79
Remaining funds due$220,627.79
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$953.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$653.75
Prepaid interest, first (31 days)$597.95
Fees + prepaids$11,423.68
Your down payment is the seller’s equity. You take over the $190,796 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $220,627.79 is due at closing. Uses and sources reconcile at $411,423.68 each. Not a Closing Disclosure.