Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$221,019Cash toward the purchase price.
Closing costs + prepaids$11,555Not just lender fees.
Before credits & paid funds$232,574The complete starting cash picture.
Estimated remaining funds due at closing
$232,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,018.72
Your down payment$221,018.72
Closing costs + prepaids$11,555.30
Total buyer cash needed$232,574.02
Remaining funds due$232,574.02
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$844.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,229.00
Initial HOA (3 months)$41.01
Prepaid interest, first (28 days)$323.88
Fees + prepaids$11,555.30
Your down payment is the seller’s equity. You take over the $168,881 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $232,574.02 is due at closing. Uses and sources reconcile at $401,455.30 each. Not a Closing Disclosure.