Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$201,064Cash toward the purchase price.
Closing costs + prepaids$12,064Not just lender fees.
Before credits & paid funds$213,129The complete starting cash picture.
Estimated remaining funds due at closing
$213,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,064.30
Your down payment$201,064.30
Closing costs + prepaids$12,064.48
Total buyer cash needed$213,128.78
Remaining funds due$213,128.78
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%)$4,297.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,143.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$928.75
Initial HOA (3 months)$51.24
Prepaid interest, first (23 days)$425.15
Fees + prepaids$12,064.48
Your down payment is the seller’s equity. You take over the $228,713 balance, so the rest of the $429,777 price is paid at closing. A second mortgage can cover part of it. $213,128.78 is due at closing. Uses and sources reconcile at $441,841.48 each. Not a Closing Disclosure.