Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$208,628Cash toward the purchase price.
Closing costs + prepaids$11,850Not just lender fees.
Before credits & paid funds$220,478The complete starting cash picture.
Estimated remaining funds due at closing
$220,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,628.45
Your down payment$208,628.45
Closing costs + prepaids$11,849.88
Total buyer cash needed$220,478.33
Remaining funds due$220,478.33
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,051.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$565.50
Initial HOA (3 months)$276.00
Prepaid interest, first (31 days)$548.52
Fees + prepaids$11,849.88
Your down payment is the seller’s equity. You take over the $210,372 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $220,478.33 is due at closing. Uses and sources reconcile at $430,849.88 each. Not a Closing Disclosure.