Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$208,339Cash toward the purchase price.
Closing costs + prepaids$10,750Not just lender fees.
Before credits & paid funds$219,089The complete starting cash picture.
Estimated remaining funds due at closing
$219,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,338.77
Your down payment$208,338.77
Closing costs + prepaids$10,749.75
Total buyer cash needed$219,088.52
Remaining funds due$219,088.52
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%)$3,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$950.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.25
Prepaid interest, first (9 days)$117.69
Fees + prepaids$10,749.75
Your down payment is the seller’s equity. You take over the $190,161 balance, so the rest of the $398,500 price is paid at closing. A second mortgage can cover part of it. $219,088.52 is due at closing. Uses and sources reconcile at $409,249.75 each. Not a Closing Disclosure.