Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$212,736Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$223,715The complete starting cash picture.
Estimated remaining funds due at closing
$223,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,736.28
Your down payment$212,736.28
Closing costs + prepaids$10,978.82
Total buyer cash needed$223,715.10
Remaining funds due$223,715.10
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%)$3,997.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$934.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$479.75
Initial HOA (3 months)$234.00
Prepaid interest, first (10 days)$115.25
Fees + prepaids$10,978.82
Your down payment is the seller’s equity. You take over the $186,964 balance, so the rest of the $399,700 price is paid at closing. A second mortgage can cover part of it. $223,715.10 is due at closing. Uses and sources reconcile at $410,678.82 each. Not a Closing Disclosure.