Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$214,144Cash toward the purchase price.
Closing costs + prepaids$11,234Not just lender fees.
Before credits & paid funds$225,377The complete starting cash picture.
Estimated remaining funds due at closing
$225,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,143.72
Your down payment$214,143.72
Closing costs + prepaids$11,233.62
Total buyer cash needed$225,377.34
Remaining funds due$225,377.34
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%)$954.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$471.50
Prepaid interest, first (29 days)$539.84
Fees + prepaids$11,233.62
Your down payment is the seller’s equity. You take over the $190,856 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $225,377.34 is due at closing. Uses and sources reconcile at $416,233.62 each. Not a Closing Disclosure.