Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$222,755Cash toward the purchase price.
Closing costs + prepaids$14,047Not just lender fees.
Before credits & paid funds$236,802The complete starting cash picture.
Estimated remaining funds due at closing
$236,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,754.90
Your down payment$222,754.90
Closing costs + prepaids$14,046.67
Total buyer cash needed$236,801.57
Remaining funds due$236,801.57
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%)$981.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$771.75
Initial HOA (3 months)$2,274.00
Prepaid interest, first (31 days)$611.69
Fees + prepaids$14,046.67
Your down payment is the seller’s equity. You take over the $196,245 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $236,801.57 is due at closing. Uses and sources reconcile at $433,046.67 each. Not a Closing Disclosure.