Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$208,790Cash toward the purchase price.
Closing costs + prepaids$11,314Not just lender fees.
Before credits & paid funds$220,103The complete starting cash picture.
Estimated remaining funds due at closing
$220,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,789.83
Your down payment$208,789.83
Closing costs + prepaids$11,313.66
Total buyer cash needed$220,103.49
Remaining funds due$220,103.49
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$956.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.75
Prepaid interest, first (24 days)$756.87
Fees + prepaids$11,313.66
Your down payment is the seller’s equity. You take over the $191,209 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $220,103.49 is due at closing. Uses and sources reconcile at $411,312.66 each. Not a Closing Disclosure.