Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$226,670Cash toward the purchase price.
Closing costs + prepaids$10,900Not just lender fees.
Before credits & paid funds$237,570The complete starting cash picture.
Estimated remaining funds due at closing
$237,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,669.64
Your down payment$226,669.64
Closing costs + prepaids$10,900.24
Total buyer cash needed$237,569.88
Remaining funds due$237,569.88
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%)$4,000.00
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)$416.25
Initial HOA (3 months)$27.51
Prepaid interest, first (27 days)$371.83
Fees + prepaids$10,900.24
Your down payment is the seller’s equity. You take over the $173,330 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $237,569.88 is due at closing. Uses and sources reconcile at $410,900.24 each. Not a Closing Disclosure.