Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$203,255Cash toward the purchase price.
Closing costs + prepaids$13,007Not just lender fees.
Before credits & paid funds$216,261The complete starting cash picture.
Estimated remaining funds due at closing
$216,261No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,254.58
Your down payment$203,254.58
Closing costs + prepaids$13,006.71
Total buyer cash needed$216,261.29
Remaining funds due$216,261.29
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$958.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,407.00
Initial HOA (3 months)$35.49
Prepaid interest, first (24 days)$437.49
Fees + prepaids$13,006.71
Your down payment is the seller’s equity. You take over the $191,745 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $216,261.29 is due at closing. Uses and sources reconcile at $408,006.71 each. Not a Closing Disclosure.