Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$221,798Cash toward the purchase price.
Closing costs + prepaids$11,725Not just lender fees.
Before credits & paid funds$233,523The complete starting cash picture.
Estimated remaining funds due at closing
$233,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,797.85
Your down payment$221,797.85
Closing costs + prepaids$11,725.40
Total buyer cash needed$233,523.25
Remaining funds due$233,523.25
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$940.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Initial HOA (3 months)$795.00
Prepaid interest, first (9 days)$180.89
Fees + prepaids$11,725.40
Your down payment is the seller’s equity. You take over the $188,102 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $233,523.25 is due at closing. Uses and sources reconcile at $421,625.40 each. Not a Closing Disclosure.