Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$221,798Cash toward the purchase price.
Closing costs + prepaids$12,156Not just lender fees.
Before credits & paid funds$233,954The complete starting cash picture.
Estimated remaining funds due at closing
$233,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,797.85
Your down payment$221,797.85
Closing costs + prepaids$12,156.07
Total buyer cash needed$233,953.92
Remaining funds due$233,953.92
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$940.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$581.00
Initial HOA (3 months)$795.00
Prepaid interest, first (26 days)$522.56
Fees + prepaids$12,156.07
Your down payment is the seller’s equity. You take over the $188,102 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $233,953.92 is due at closing. Uses and sources reconcile at $422,056.07 each. Not a Closing Disclosure.