Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,083Cash toward the purchase price.
Closing costs + prepaids$12,860Not just lender fees.
Before credits & paid funds$226,944The complete starting cash picture.
Estimated remaining funds due at closing
$226,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,083.37
Your down payment$214,083.37
Closing costs + prepaids$12,860.31
Total buyer cash needed$226,943.68
Remaining funds due$226,943.68
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,074.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,072.50
Initial HOA (3 months)$615.00
Prepaid interest, first (28 days)$590.23
Fees + prepaids$12,860.31
Your down payment is the seller’s equity. You take over the $214,917 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $226,943.68 is due at closing. Uses and sources reconcile at $441,860.31 each. Not a Closing Disclosure.