Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$199,994Cash toward the purchase price.
Closing costs + prepaids$13,970Not just lender fees.
Before credits & paid funds$213,965The complete starting cash picture.
Estimated remaining funds due at closing
$213,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,994.26
Your down payment$199,994.26
Closing costs + prepaids$13,970.50
Total buyer cash needed$213,964.76
Remaining funds due$213,964.76
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%)$4,288.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,144.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,072.00
Initial HOA (3 months)$1,251.00
Prepaid interest, first (26 days)$997.47
Fees + prepaids$13,970.50
Your down payment is the seller’s equity. You take over the $228,806 balance, so the rest of the $428,800 price is paid at closing. A second mortgage can cover part of it. $213,964.76 is due at closing. Uses and sources reconcile at $442,770.50 each. Not a Closing Disclosure.