Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$200,189Cash toward the purchase price.
Closing costs + prepaids$11,443Not just lender fees.
Before credits & paid funds$211,632The complete starting cash picture.
Estimated remaining funds due at closing
$211,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,188.51
Your down payment$200,188.51
Closing costs + prepaids$11,443.13
Total buyer cash needed$211,631.65
Remaining funds due$211,631.65
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,144.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$536.25
Prepaid interest, first (15 days)$254.83
Fees + prepaids$11,443.13
Your down payment is the seller’s equity. You take over the $228,811 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $211,631.65 is due at closing. Uses and sources reconcile at $440,443.13 each. Not a Closing Disclosure.