Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$219,800Cash toward the purchase price.
Closing costs + prepaids$11,313Not just lender fees.
Before credits & paid funds$231,113The complete starting cash picture.
Estimated remaining funds due at closing
$231,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,800.19
Your down payment$219,800.19
Closing costs + prepaids$11,312.85
Total buyer cash needed$231,113.04
Remaining funds due$231,113.04
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$901.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$770.50
Prepaid interest, first (25 days)$423.35
Fees + prepaids$11,312.85
Your down payment is the seller’s equity. You take over the $180,200 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $231,113.04 is due at closing. Uses and sources reconcile at $411,312.85 each. Not a Closing Disclosure.