Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$198,970Cash toward the purchase price.
Closing costs + prepaids$7,655Not just lender fees.
Before credits & paid funds$206,625The complete starting cash picture.
Estimated remaining funds due at closing
$206,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,970.30
Your down payment$198,970.30
Closing costs + prepaids$7,655.19
Total buyer cash needed$206,625.49
Remaining funds due$206,625.49
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%)$2,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$307.50
Initial HOA (3 months)$122.01
Prepaid interest, first (28 days)$2.54
Fees + prepaids$7,655.19
Your down payment is the seller’s equity. You take over the $1,030 balance, so the rest of the $200,000 price is paid at closing. A second mortgage can cover part of it. $206,625.49 is due at closing. Uses and sources reconcile at $207,655.19 each. Not a Closing Disclosure.