Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$217,603Cash toward the purchase price.
Closing costs + prepaids$10,820Not just lender fees.
Before credits & paid funds$228,424The complete starting cash picture.
Estimated remaining funds due at closing
$228,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,603.50
Your down payment$217,603.50
Closing costs + prepaids$10,820.49
Total buyer cash needed$228,423.99
Remaining funds due$228,423.99
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$811.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$723.00
Prepaid interest, first (22 days)$269.01
Fees + prepaids$10,820.49
Your down payment is the seller’s equity. You take over the $162,297 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $228,423.99 is due at closing. Uses and sources reconcile at $390,720.49 each. Not a Closing Disclosure.