Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$198,139Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$209,866The complete starting cash picture.
Estimated remaining funds due at closing
$209,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,138.65
Your down payment$198,138.65
Closing costs + prepaids$11,727.41
Total buyer cash needed$209,866.05
Remaining funds due$209,866.05
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,084.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$685.00
Prepaid interest, first (26 days)$590.10
Fees + prepaids$11,727.41
Your down payment is the seller’s equity. You take over the $216,861 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $209,866.05 is due at closing. Uses and sources reconcile at $426,727.41 each. Not a Closing Disclosure.