Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$196,928Cash toward the purchase price.
Closing costs + prepaids$13,132Not just lender fees.
Before credits & paid funds$210,060The complete starting cash picture.
Estimated remaining funds due at closing
$210,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,928.06
Your down payment$196,928.06
Closing costs + prepaids$13,131.69
Total buyer cash needed$210,059.75
Remaining funds due$210,059.75
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%)$4,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,185.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$679.75
Initial HOA (3 months)$279.00
Prepaid interest, first (31 days)$1,429.58
Fees + prepaids$13,131.69
Your down payment is the seller’s equity. You take over the $237,072 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $210,059.75 is due at closing. Uses and sources reconcile at $447,131.69 each. Not a Closing Disclosure.