Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$220,901Cash toward the purchase price.
Closing costs + prepaids$11,506Not just lender fees.
Before credits & paid funds$232,407The complete starting cash picture.
Estimated remaining funds due at closing
$232,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,901.28
Your down payment$220,901.28
Closing costs + prepaids$11,506.21
Total buyer cash needed$232,407.49
Remaining funds due$232,407.49
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$894.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.00
Initial HOA (3 months)$99.99
Prepaid interest, first (25 days)$576.23
Fees + prepaids$11,506.21
Your down payment is the seller’s equity. You take over the $178,999 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $232,407.49 is due at closing. Uses and sources reconcile at $411,406.21 each. Not a Closing Disclosure.