Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$193,042Cash toward the purchase price.
Closing costs + prepaids$10,807Not just lender fees.
Before credits & paid funds$203,849The complete starting cash picture.
Estimated remaining funds due at closing
$203,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,042.49
Your down payment$193,042.49
Closing costs + prepaids$10,806.68
Total buyer cash needed$203,849.17
Remaining funds due$203,849.17
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,034.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$218.75
Prepaid interest, first (22 days)$336.64
Fees + prepaids$10,806.68
Your down payment is the seller’s equity. You take over the $206,858 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $203,849.17 is due at closing. Uses and sources reconcile at $410,706.68 each. Not a Closing Disclosure.