Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$197,007Cash toward the purchase price.
Closing costs + prepaids$11,543Not just lender fees.
Before credits & paid funds$208,550The complete starting cash picture.
Estimated remaining funds due at closing
$208,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,006.73
Your down payment$197,006.73
Closing costs + prepaids$11,543.08
Total buyer cash needed$208,549.81
Remaining funds due$208,549.81
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,164.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.50
Prepaid interest, first (14 days)$322.62
Fees + prepaids$11,543.08
Your down payment is the seller’s equity. You take over the $232,993 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $208,549.81 is due at closing. Uses and sources reconcile at $441,543.08 each. Not a Closing Disclosure.