Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$222,719Cash toward the purchase price.
Closing costs + prepaids$12,184Not just lender fees.
Before credits & paid funds$234,904The complete starting cash picture.
Estimated remaining funds due at closing
$234,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,719.47
Your down payment$222,719.47
Closing costs + prepaids$12,184.44
Total buyer cash needed$234,903.91
Remaining funds due$234,903.91
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$986.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$817.50
Initial HOA (3 months)$288.00
Prepaid interest, first (30 days)$674.54
Fees + prepaids$12,184.44
Your down payment is the seller’s equity. You take over the $197,281 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $234,903.91 is due at closing. Uses and sources reconcile at $432,184.44 each. Not a Closing Disclosure.