Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$196,265Cash toward the purchase price.
Closing costs + prepaids$11,218Not just lender fees.
Before credits & paid funds$207,482The complete starting cash picture.
Estimated remaining funds due at closing
$207,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,264.71
Your down payment$196,264.71
Closing costs + prepaids$11,217.53
Total buyer cash needed$207,482.24
Remaining funds due$207,482.24
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,118.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.50
Prepaid interest, first (22 days)$386.86
Fees + prepaids$11,217.53
Your down payment is the seller’s equity. You take over the $223,635 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $207,482.24 is due at closing. Uses and sources reconcile at $431,117.53 each. Not a Closing Disclosure.