Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,335Cash toward the purchase price.
Closing costs + prepaids$10,949Not just lender fees.
Before credits & paid funds$201,285The complete starting cash picture.
Estimated remaining funds due at closing
$201,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,335.40
Your down payment$190,335.40
Closing costs + prepaids$10,949.33
Total buyer cash needed$201,284.73
Remaining funds due$201,284.73
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%)$4,099.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,098.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1.00
Initial HOA (3 months)$92.49
Prepaid interest, first (26 days)$439.67
Fees + prepaids$10,949.33
Your down payment is the seller’s equity. You take over the $219,655 balance, so the rest of the $409,990 price is paid at closing. A second mortgage can cover part of it. $201,284.73 is due at closing. Uses and sources reconcile at $420,939.33 each. Not a Closing Disclosure.