Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$191,687Cash toward the purchase price.
Closing costs + prepaids$10,610Not just lender fees.
Before credits & paid funds$202,297The complete starting cash picture.
Estimated remaining funds due at closing
$202,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,686.89
Your down payment$191,686.89
Closing costs + prepaids$10,609.89
Total buyer cash needed$202,296.78
Remaining funds due$202,296.78
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,036.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (24 days)$365.33
Fees + prepaids$10,609.89
Your down payment is the seller’s equity. You take over the $207,313 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $202,296.78 is due at closing. Uses and sources reconcile at $409,609.89 each. Not a Closing Disclosure.