Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$198,122Cash toward the purchase price.
Closing costs + prepaids$12,239Not just lender fees.
Before credits & paid funds$210,361The complete starting cash picture.
Estimated remaining funds due at closing
$210,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,121.67
Your down payment$198,121.67
Closing costs + prepaids$12,239.33
Total buyer cash needed$210,361.00
Remaining funds due$210,361.00
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,158.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,020.00
Prepaid interest, first (22 days)$543.44
Fees + prepaids$12,239.33
Your down payment is the seller’s equity. You take over the $231,778 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $210,361.00 is due at closing. Uses and sources reconcile at $442,139.33 each. Not a Closing Disclosure.