Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$196,276Cash toward the purchase price.
Closing costs + prepaids$12,075Not just lender fees.
Before credits & paid funds$208,351The complete starting cash picture.
Estimated remaining funds due at closing
$208,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,276.29
Your down payment$196,276.29
Closing costs + prepaids$12,074.82
Total buyer cash needed$208,351.10
Remaining funds due$208,351.10
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,143.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.75
Initial HOA (3 months)$120.00
Prepaid interest, first (30 days)$606.95
Fees + prepaids$12,074.82
Your down payment is the seller’s equity. You take over the $228,624 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $208,351.10 is due at closing. Uses and sources reconcile at $436,974.82 each. Not a Closing Disclosure.