Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,357Cash toward the purchase price.
Closing costs + prepaids$11,437Not just lender fees.
Before credits & paid funds$213,794The complete starting cash picture.
Estimated remaining funds due at closing
$213,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,356.85
Your down payment$202,356.85
Closing costs + prepaids$11,437.05
Total buyer cash needed$213,793.90
Remaining funds due$213,793.90
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$988.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.50
Prepaid interest, first (24 days)$808.33
Fees + prepaids$11,437.05
Your down payment is the seller’s equity. You take over the $197,643 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $213,793.90 is due at closing. Uses and sources reconcile at $411,437.05 each. Not a Closing Disclosure.