Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$198,103Cash toward the purchase price.
Closing costs + prepaids$12,499Not just lender fees.
Before credits & paid funds$210,601The complete starting cash picture.
Estimated remaining funds due at closing
$210,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,102.84
Your down payment$198,102.84
Closing costs + prepaids$12,498.61
Total buyer cash needed$210,601.45
Remaining funds due$210,601.45
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%)$4,300.00
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)$1,075.00
Initial HOA (3 months)$216.00
Prepaid interest, first (28 days)$530.12
Fees + prepaids$12,498.61
Your down payment is the seller’s equity. You take over the $231,897 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $210,601.45 is due at closing. Uses and sources reconcile at $442,498.61 each. Not a Closing Disclosure.