Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$191,298Cash toward the purchase price.
Closing costs + prepaids$11,484Not just lender fees.
Before credits & paid funds$202,783The complete starting cash picture.
Estimated remaining funds due at closing
$202,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,298.07
Your down payment$191,298.07
Closing costs + prepaids$11,484.44
Total buyer cash needed$202,782.51
Remaining funds due$202,782.51
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,118.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$452.75
Initial HOA (3 months)$99.00
Prepaid interest, first (26 days)$446.18
Fees + prepaids$11,484.44
Your down payment is the seller’s equity. You take over the $223,702 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $202,782.51 is due at closing. Uses and sources reconcile at $426,484.44 each. Not a Closing Disclosure.