Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$226,670Cash toward the purchase price.
Closing costs + prepaids$10,905Not just lender fees.
Before credits & paid funds$237,574The complete starting cash picture.
Estimated remaining funds due at closing
$237,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,669.64
Your down payment$226,669.64
Closing costs + prepaids$10,904.50
Total buyer cash needed$237,574.14
Remaining funds due$237,574.14
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$866.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$416.25
Initial HOA (3 months)$18.00
Prepaid interest, first (28 days)$385.60
Fees + prepaids$10,904.50
Your down payment is the seller’s equity. You take over the $173,330 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $237,574.14 is due at closing. Uses and sources reconcile at $410,904.50 each. Not a Closing Disclosure.