Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$216,611Cash toward the purchase price.
Closing costs + prepaids$11,565Not just lender fees.
Before credits & paid funds$228,176The complete starting cash picture.
Estimated remaining funds due at closing
$228,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,610.71
Your down payment$216,610.71
Closing costs + prepaids$11,565.33
Total buyer cash needed$228,176.04
Remaining funds due$228,176.04
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$916.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.00
Initial HOA (3 months)$732.00
Prepaid interest, first (24 days)$371.40
Fees + prepaids$11,565.33
Your down payment is the seller’s equity. You take over the $183,388 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $228,176.04 is due at closing. Uses and sources reconcile at $411,564.33 each. Not a Closing Disclosure.