Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,566Cash toward the purchase price.
Closing costs + prepaids$12,624Not just lender fees.
Before credits & paid funds$209,190The complete starting cash picture.
Estimated remaining funds due at closing
$209,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,566.35
Your down payment$196,566.35
Closing costs + prepaids$12,623.85
Total buyer cash needed$209,190.20
Remaining funds due$209,190.20
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,167.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$560.00
Initial HOA (3 months)$90.00
Prepaid interest, first (31 days)$1,288.68
Fees + prepaids$12,623.85
Your down payment is the seller’s equity. You take over the $233,434 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $209,190.20 is due at closing. Uses and sources reconcile at $442,623.85 each. Not a Closing Disclosure.