Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$200,432Cash toward the purchase price.
Closing costs + prepaids$10,797Not just lender fees.
Before credits & paid funds$211,229The complete starting cash picture.
Estimated remaining funds due at closing
$211,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,432.44
Your down payment$200,432.44
Closing costs + prepaids$10,796.89
Total buyer cash needed$211,229.33
Remaining funds due$211,229.33
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%)$3,570.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$782.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$769.50
Initial HOA (3 months)$3.75
Prepaid interest, first (28 days)$452.80
Fees + prepaids$10,796.89
Your down payment is the seller’s equity. You take over the $156,568 balance, so the rest of the $357,000 price is paid at closing. A second mortgage can cover part of it. $211,229.33 is due at closing. Uses and sources reconcile at $367,796.89 each. Not a Closing Disclosure.