Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$202,030Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$213,757The complete starting cash picture.
Estimated remaining funds due at closing
$213,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,030.28
Your down payment$202,030.28
Closing costs + prepaids$11,726.97
Total buyer cash needed$213,757.25
Remaining funds due$213,757.25
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,014.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$780.25
Initial HOA (3 months)$90.00
Prepaid interest, first (24 days)$573.88
Fees + prepaids$11,726.97
Your down payment is the seller’s equity. You take over the $202,970 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $213,757.25 is due at closing. Uses and sources reconcile at $416,726.97 each. Not a Closing Disclosure.