Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$192,943Cash toward the purchase price.
Closing costs + prepaids$11,407Not just lender fees.
Before credits & paid funds$204,350The complete starting cash picture.
Estimated remaining funds due at closing
$204,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,942.57
Your down payment$192,942.57
Closing costs + prepaids$11,407.28
Total buyer cash needed$204,349.85
Remaining funds due$204,349.85
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%)$1,085.29
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)$321.99
Prepaid interest, first (9 days)$190.00
Fees + prepaids$11,407.28
Your down payment is the seller’s equity. You take over the $217,057 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $204,349.85 is due at closing. Uses and sources reconcile at $421,407.28 each. Not a Closing Disclosure.