Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$193,369Cash toward the purchase price.
Closing costs + prepaids$12,485Not just lender fees.
Before credits & paid funds$205,854The complete starting cash picture.
Estimated remaining funds due at closing
$205,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,369.10
Your down payment$193,369.10
Closing costs + prepaids$12,484.94
Total buyer cash needed$205,854.03
Remaining funds due$205,854.03
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%)$4,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,183.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$844.00
Initial HOA (3 months)$156.00
Prepaid interest, first (30 days)$783.80
Fees + prepaids$12,484.94
Your down payment is the seller’s equity. You take over the $236,630 balance, so the rest of the $429,999 price is paid at closing. A second mortgage can cover part of it. $205,854.03 is due at closing. Uses and sources reconcile at $442,483.94 each. Not a Closing Disclosure.