Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$218,334Cash toward the purchase price.
Closing costs + prepaids$11,814Not just lender fees.
Before credits & paid funds$230,148The complete starting cash picture.
Estimated remaining funds due at closing
$230,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,333.90
Your down payment$218,333.90
Closing costs + prepaids$11,813.73
Total buyer cash needed$230,147.63
Remaining funds due$230,147.63
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%)$4,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,008.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$443.50
Initial HOA (3 months)$414.00
Prepaid interest, first (26 days)$530.05
Fees + prepaids$11,813.73
Your down payment is the seller’s equity. You take over the $201,656 balance, so the rest of the $419,990 price is paid at closing. A second mortgage can cover part of it. $230,147.63 is due at closing. Uses and sources reconcile at $431,803.73 each. Not a Closing Disclosure.