Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$192,350Cash toward the purchase price.
Closing costs + prepaids$12,754Not just lender fees.
Before credits & paid funds$205,104The complete starting cash picture.
Estimated remaining funds due at closing
$205,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,349.60
Your down payment$192,349.60
Closing costs + prepaids$12,753.92
Total buyer cash needed$205,103.52
Remaining funds due$205,103.52
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,038.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,200.00
Initial HOA (3 months)$843.00
Prepaid interest, first (27 days)$454.67
Fees + prepaids$12,753.92
Your down payment is the seller’s equity. You take over the $207,650 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $205,103.52 is due at closing. Uses and sources reconcile at $412,753.92 each. Not a Closing Disclosure.