Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$195,417Cash toward the purchase price.
Closing costs + prepaids$12,486Not just lender fees.
Before credits & paid funds$207,903The complete starting cash picture.
Estimated remaining funds due at closing
$207,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,417.43
Your down payment$195,417.43
Closing costs + prepaids$12,485.56
Total buyer cash needed$207,902.98
Remaining funds due$207,902.98
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,047.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,555.25
Prepaid interest, first (25 days)$614.39
Fees + prepaids$12,485.56
Your down payment is the seller’s equity. You take over the $209,583 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $207,902.98 is due at closing. Uses and sources reconcile at $417,485.56 each. Not a Closing Disclosure.