Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$209,033Cash toward the purchase price.
Closing costs + prepaids$11,721Not just lender fees.
Before credits & paid funds$220,754The complete starting cash picture.
Estimated remaining funds due at closing
$220,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,033.04
Your down payment$209,033.04
Closing costs + prepaids$11,721.31
Total buyer cash needed$220,754.35
Remaining funds due$220,754.35
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$954.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$545.00
Prepaid interest, first (28 days)$1,003.49
Fees + prepaids$11,721.31
Your down payment is the seller’s equity. You take over the $190,966 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $220,754.35 is due at closing. Uses and sources reconcile at $411,720.31 each. Not a Closing Disclosure.