Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$203,033Cash toward the purchase price.
Closing costs + prepaids$11,341Not just lender fees.
Before credits & paid funds$214,374The complete starting cash picture.
Estimated remaining funds due at closing
$214,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,033.37
Your down payment$203,033.37
Closing costs + prepaids$11,340.99
Total buyer cash needed$214,374.36
Remaining funds due$214,374.36
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$984.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$482.50
Prepaid interest, first (30 days)$655.66
Fees + prepaids$11,340.99
Your down payment is the seller’s equity. You take over the $196,967 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $214,374.36 is due at closing. Uses and sources reconcile at $411,340.99 each. Not a Closing Disclosure.