Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$206,948Cash toward the purchase price.
Closing costs + prepaids$10,768Not just lender fees.
Before credits & paid funds$217,716The complete starting cash picture.
Estimated remaining funds due at closing
$217,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,948.17
Your down payment$206,948.17
Closing costs + prepaids$10,768.23
Total buyer cash needed$217,716.40
Remaining funds due$217,716.40
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$965.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (28 days)$584.97
Fees + prepaids$10,768.23
Your down payment is the seller’s equity. You take over the $193,052 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $217,716.40 is due at closing. Uses and sources reconcile at $410,768.23 each. Not a Closing Disclosure.