Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$195,869Cash toward the purchase price.
Closing costs + prepaids$11,885Not just lender fees.
Before credits & paid funds$207,754The complete starting cash picture.
Estimated remaining funds due at closing
$207,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,868.80
Your down payment$195,868.80
Closing costs + prepaids$11,884.98
Total buyer cash needed$207,753.78
Remaining funds due$207,753.78
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%)$4,259.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,150.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$260.50
Prepaid interest, first (25 days)$997.33
Fees + prepaids$11,884.98
Your down payment is the seller’s equity. You take over the $230,031 balance, so the rest of the $425,900 price is paid at closing. A second mortgage can cover part of it. $207,753.78 is due at closing. Uses and sources reconcile at $437,784.98 each. Not a Closing Disclosure.