Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$193,784Cash toward the purchase price.
Closing costs + prepaids$11,915Not just lender fees.
Before credits & paid funds$205,699The complete starting cash picture.
Estimated remaining funds due at closing
$205,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,783.72
Your down payment$193,783.72
Closing costs + prepaids$11,914.88
Total buyer cash needed$205,698.60
Remaining funds due$205,698.60
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,081.08
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)$873.99
Prepaid interest, first (9 days)$149.81
Fees + prepaids$11,914.88
Your down payment is the seller’s equity. You take over the $216,216 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $205,698.60 is due at closing. Uses and sources reconcile at $421,914.88 each. Not a Closing Disclosure.