Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$206,879Cash toward the purchase price.
Closing costs + prepaids$13,931Not just lender fees.
Before credits & paid funds$220,809The complete starting cash picture.
Estimated remaining funds due at closing
$220,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,878.61
Your down payment$206,878.61
Closing costs + prepaids$13,930.87
Total buyer cash needed$220,809.48
Remaining funds due$220,809.48
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%)$4,225.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,078.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,056.25
Initial HOA (3 months)$1,914.00
Prepaid interest, first (24 days)$439.51
Fees + prepaids$13,930.87
Your down payment is the seller’s equity. You take over the $215,621 balance, so the rest of the $422,500 price is paid at closing. A second mortgage can cover part of it. $220,809.48 is due at closing. Uses and sources reconcile at $436,430.87 each. Not a Closing Disclosure.