Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$220,986Cash toward the purchase price.
Closing costs + prepaids$11,392Not just lender fees.
Before credits & paid funds$232,378The complete starting cash picture.
Estimated remaining funds due at closing
$232,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,986.29
Your down payment$220,986.29
Closing costs + prepaids$11,391.70
Total buyer cash needed$232,377.99
Remaining funds due$232,377.99
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%)$4,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,010.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.50
Initial HOA (3 months)$57.51
Prepaid interest, first (26 days)$539.63
Fees + prepaids$11,391.70
Your down payment is the seller’s equity. You take over the $202,014 balance, so the rest of the $423,000 price is paid at closing. A second mortgage can cover part of it. $232,377.99 is due at closing. Uses and sources reconcile at $434,391.70 each. Not a Closing Disclosure.