Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$189,453Cash toward the purchase price.
Closing costs + prepaids$11,533Not just lender fees.
Before credits & paid funds$200,986The complete starting cash picture.
Estimated remaining funds due at closing
$200,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,453.39
Your down payment$189,453.39
Closing costs + prepaids$11,532.76
Total buyer cash needed$200,986.15
Remaining funds due$200,986.15
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,102.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.00
Initial HOA (3 months)$192.00
Prepaid interest, first (31 days)$605.02
Fees + prepaids$11,532.76
Your down payment is the seller’s equity. You take over the $220,547 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $200,986.15 is due at closing. Uses and sources reconcile at $421,532.76 each. Not a Closing Disclosure.