Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$200,125Cash toward the purchase price.
Closing costs + prepaids$11,332Not just lender fees.
Before credits & paid funds$211,458The complete starting cash picture.
Estimated remaining funds due at closing
$211,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,125.48
Your down payment$200,125.48
Closing costs + prepaids$11,332.17
Total buyer cash needed$211,457.64
Remaining funds due$211,457.64
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$999.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$554.75
Initial HOA (3 months)$90.00
Prepaid interest, first (29 days)$470.06
Fees + prepaids$11,332.17
Your down payment is the seller’s equity. You take over the $199,874 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $211,457.64 is due at closing. Uses and sources reconcile at $411,331.17 each. Not a Closing Disclosure.