Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$203,003Cash toward the purchase price.
Closing costs + prepaids$14,283Not just lender fees.
Before credits & paid funds$217,286The complete starting cash picture.
Estimated remaining funds due at closing
$217,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,002.61
Your down payment$203,002.61
Closing costs + prepaids$14,283.22
Total buyer cash needed$217,285.84
Remaining funds due$217,285.84
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%)$4,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,159.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3,094.50
Initial HOA (3 months)$75.00
Prepaid interest, first (23 days)$387.24
Fees + prepaids$14,283.22
Your down payment is the seller’s equity. You take over the $231,897 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $217,285.84 is due at closing. Uses and sources reconcile at $449,183.22 each. Not a Closing Disclosure.