Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$221,670Cash toward the purchase price.
Closing costs + prepaids$10,660Not just lender fees.
Before credits & paid funds$232,330The complete starting cash picture.
Estimated remaining funds due at closing
$232,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,669.64
Your down payment$221,669.64
Closing costs + prepaids$10,660.10
Total buyer cash needed$232,329.75
Remaining funds due$232,329.75
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$866.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$474.00
Initial HOA (3 months)$27.51
Prepaid interest, first (9 days)$123.94
Fees + prepaids$10,660.10
Your down payment is the seller’s equity. You take over the $173,330 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $232,329.75 is due at closing. Uses and sources reconcile at $405,660.10 each. Not a Closing Disclosure.