Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$197,834Cash toward the purchase price.
Closing costs + prepaids$11,857Not just lender fees.
Before credits & paid funds$209,691The complete starting cash picture.
Estimated remaining funds due at closing
$209,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,834.38
Your down payment$197,834.38
Closing costs + prepaids$11,856.70
Total buyer cash needed$209,691.09
Remaining funds due$209,691.09
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%)$4,198.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,110.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.50
Initial HOA (3 months)$198.00
Prepaid interest, first (29 days)$718.05
Fees + prepaids$11,856.70
Your down payment is the seller’s equity. You take over the $222,054 balance, so the rest of the $419,888 price is paid at closing. A second mortgage can cover part of it. $209,691.09 is due at closing. Uses and sources reconcile at $431,744.70 each. Not a Closing Disclosure.