Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$188,335Cash toward the purchase price.
Closing costs + prepaids$12,034Not just lender fees.
Before credits & paid funds$200,369The complete starting cash picture.
Estimated remaining funds due at closing
$200,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,335.18
Your down payment$188,335.18
Closing costs + prepaids$12,034.17
Total buyer cash needed$200,369.35
Remaining funds due$200,369.35
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,158.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.50
Prepaid interest, first (24 days)$1,037.35
Fees + prepaids$12,034.17
Your down payment is the seller’s equity. You take over the $231,665 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $200,369.35 is due at closing. Uses and sources reconcile at $432,034.17 each. Not a Closing Disclosure.