Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$185,099Cash toward the purchase price.
Closing costs + prepaids$12,439Not just lender fees.
Before credits & paid funds$197,538The complete starting cash picture.
Estimated remaining funds due at closing
$197,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,099.16
Your down payment$185,099.16
Closing costs + prepaids$12,438.76
Total buyer cash needed$197,537.92
Remaining funds due$197,537.92
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%)$3,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,069.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,359.00
Initial HOA (3 months)$246.00
Prepaid interest, first (23 days)$557.76
Fees + prepaids$12,438.76
Your down payment is the seller’s equity. You take over the $213,801 balance, so the rest of the $398,900 price is paid at closing. A second mortgage can cover part of it. $197,537.92 is due at closing. Uses and sources reconcile at $411,338.76 each. Not a Closing Disclosure.