Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$220,640Cash toward the purchase price.
Closing costs + prepaids$10,135Not just lender fees.
Before credits & paid funds$230,776The complete starting cash picture.
Estimated remaining funds due at closing
$230,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,640.42
Your down payment$220,640.42
Closing costs + prepaids$10,135.20
Total buyer cash needed$230,775.62
Remaining funds due$230,775.62
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$896.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (2 days)$21.90
Fees + prepaids$10,135.20
Your down payment is the seller’s equity. You take over the $179,260 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $230,775.62 is due at closing. Uses and sources reconcile at $410,035.20 each. Not a Closing Disclosure.