Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$207,715Cash toward the purchase price.
Closing costs + prepaids$11,961Not just lender fees.
Before credits & paid funds$219,676The complete starting cash picture.
Estimated remaining funds due at closing
$219,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,715.38
Your down payment$207,715.38
Closing costs + prepaids$11,960.78
Total buyer cash needed$219,676.15
Remaining funds due$219,676.15
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,061.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$922.00
Initial HOA (3 months)$219.00
Prepaid interest, first (22 days)$340.35
Fees + prepaids$11,960.78
Your down payment is the seller’s equity. You take over the $212,285 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $219,676.15 is due at closing. Uses and sources reconcile at $431,960.78 each. Not a Closing Disclosure.