Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$185,379Cash toward the purchase price.
Closing costs + prepaids$12,252Not just lender fees.
Before credits & paid funds$197,630The complete starting cash picture.
Estimated remaining funds due at closing
$197,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,378.53
Your down payment$185,378.53
Closing costs + prepaids$12,251.89
Total buyer cash needed$197,630.42
Remaining funds due$197,630.42
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,123.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,025.00
Initial HOA (3 months)$255.00
Prepaid interest, first (25 days)$530.78
Fees + prepaids$12,251.89
Your down payment is the seller’s equity. You take over the $224,621 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $197,630.42 is due at closing. Uses and sources reconcile at $422,251.89 each. Not a Closing Disclosure.