Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$204,127Cash toward the purchase price.
Closing costs + prepaids$11,876Not just lender fees.
Before credits & paid funds$216,003The complete starting cash picture.
Estimated remaining funds due at closing
$216,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,126.84
Your down payment$204,126.84
Closing costs + prepaids$11,876.06
Total buyer cash needed$216,002.89
Remaining funds due$216,002.89
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,004.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,012.50
Initial HOA (3 months)$32.49
Prepaid interest, first (27 days)$558.70
Fees + prepaids$11,876.06
Your down payment is the seller’s equity. You take over the $200,873 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $216,002.89 is due at closing. Uses and sources reconcile at $416,876.06 each. Not a Closing Disclosure.