Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$187,706Cash toward the purchase price.
Closing costs + prepaids$12,224Not just lender fees.
Before credits & paid funds$199,930The complete starting cash picture.
Estimated remaining funds due at closing
$199,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,705.73
Your down payment$187,705.73
Closing costs + prepaids$12,224.40
Total buyer cash needed$199,930.13
Remaining funds due$199,930.13
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,111.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$638.25
Initial HOA (3 months)$665.01
Prepaid interest, first (23 days)$491.67
Fees + prepaids$12,224.40
Your down payment is the seller’s equity. You take over the $222,294 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $199,930.13 is due at closing. Uses and sources reconcile at $422,224.40 each. Not a Closing Disclosure.