Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$221,100Cash toward the purchase price.
Closing costs + prepaids$12,021Not just lender fees.
Before credits & paid funds$233,121The complete starting cash picture.
Estimated remaining funds due at closing
$233,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,099.56
Your down payment$221,099.56
Closing costs + prepaids$12,021.49
Total buyer cash needed$233,121.05
Remaining funds due$233,121.05
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%)$4,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$994.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$259.25
Initial HOA (3 months)$429.00
Prepaid interest, first (26 days)$920.89
Fees + prepaids$12,021.49
Your down payment is the seller’s equity. You take over the $198,890 balance, so the rest of the $419,990 price is paid at closing. A second mortgage can cover part of it. $233,121.05 is due at closing. Uses and sources reconcile at $432,011.49 each. Not a Closing Disclosure.