Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$194,824Cash toward the purchase price.
Closing costs + prepaids$11,368Not just lender fees.
Before credits & paid funds$206,191The complete starting cash picture.
Estimated remaining funds due at closing
$206,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,823.57
Your down payment$194,823.57
Closing costs + prepaids$11,367.64
Total buyer cash needed$206,191.21
Remaining funds due$206,191.21
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,100.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Initial HOA (3 months)$240.00
Prepaid interest, first (9 days)$162.25
Fees + prepaids$11,367.64
Your down payment is the seller’s equity. You take over the $220,076 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $206,191.21 is due at closing. Uses and sources reconcile at $426,267.64 each. Not a Closing Disclosure.