Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$202,932Cash toward the purchase price.
Closing costs + prepaids$13,086Not just lender fees.
Before credits & paid funds$216,018The complete starting cash picture.
Estimated remaining funds due at closing
$216,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,931.67
Your down payment$202,931.67
Closing costs + prepaids$13,086.22
Total buyer cash needed$216,017.89
Remaining funds due$216,017.89
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%)$3,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$970.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,455.00
Initial HOA (3 months)$678.00
Prepaid interest, first (23 days)$794.88
Fees + prepaids$13,086.22
Your down payment is the seller’s equity. You take over the $194,068 balance, so the rest of the $397,000 price is paid at closing. A second mortgage can cover part of it. $216,017.89 is due at closing. Uses and sources reconcile at $410,086.22 each. Not a Closing Disclosure.