Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$217,482Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$229,397The complete starting cash picture.
Estimated remaining funds due at closing
$229,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,482.40
Your down payment$217,482.40
Closing costs + prepaids$11,914.20
Total buyer cash needed$229,396.60
Remaining funds due$229,396.60
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%)$987.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,037.50
Initial HOA (3 months)$24.99
Prepaid interest, first (24 days)$496.12
Fees + prepaids$11,914.20
Your down payment is the seller’s equity. You take over the $197,518 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $229,396.60 is due at closing. Uses and sources reconcile at $426,914.20 each. Not a Closing Disclosure.