Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$212,044Cash toward the purchase price.
Closing costs + prepaids$10,416Not just lender fees.
Before credits & paid funds$222,461The complete starting cash picture.
Estimated remaining funds due at closing
$222,461No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,044.32
Your down payment$212,044.32
Closing costs + prepaids$10,416.28
Total buyer cash needed$222,460.60
Remaining funds due$222,460.60
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$814.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$113.25
Initial HOA (3 months)$123.00
Prepaid interest, first (27 days)$398.75
Fees + prepaids$10,416.28
Your down payment is the seller’s equity. You take over the $162,856 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $222,460.60 is due at closing. Uses and sources reconcile at $385,316.28 each. Not a Closing Disclosure.