Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$221,273Cash toward the purchase price.
Closing costs + prepaids$11,952Not just lender fees.
Before credits & paid funds$233,225The complete starting cash picture.
Estimated remaining funds due at closing
$233,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,272.75
Your down payment$221,272.75
Closing costs + prepaids$11,952.00
Total buyer cash needed$233,224.74
Remaining funds due$233,224.74
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$843.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$570.25
Initial HOA (3 months)$1,125.00
Prepaid interest, first (28 days)$295.11
Fees + prepaids$11,952.00
Your down payment is the seller’s equity. You take over the $168,727 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $233,224.74 is due at closing. Uses and sources reconcile at $401,952.00 each. Not a Closing Disclosure.