Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$214,997Cash toward the purchase price.
Closing costs + prepaids$11,044Not just lender fees.
Before credits & paid funds$226,041The complete starting cash picture.
Estimated remaining funds due at closing
$226,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,997.07
Your down payment$214,997.07
Closing costs + prepaids$11,043.96
Total buyer cash needed$226,041.03
Remaining funds due$226,041.03
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$924.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.50
Prepaid interest, first (28 days)$426.95
Fees + prepaids$11,043.96
Your down payment is the seller’s equity. You take over the $184,903 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $226,041.03 is due at closing. Uses and sources reconcile at $410,943.96 each. Not a Closing Disclosure.