Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,885Cash toward the purchase price.
Closing costs + prepaids$12,469Not just lender fees.
Before credits & paid funds$201,355The complete starting cash picture.
Estimated remaining funds due at closing
$201,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,885.16
Your down payment$188,885.16
Closing costs + prepaids$12,469.46
Total buyer cash needed$201,354.62
Remaining funds due$201,354.62
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,155.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,313.00
Initial HOA (3 months)$48.75
Prepaid interest, first (31 days)$535.64
Fees + prepaids$12,469.46
Your down payment is the seller’s equity. You take over the $231,015 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $201,354.62 is due at closing. Uses and sources reconcile at $432,369.46 each. Not a Closing Disclosure.