Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$202,030Cash toward the purchase price.
Closing costs + prepaids$11,214Not just lender fees.
Before credits & paid funds$213,244The complete starting cash picture.
Estimated remaining funds due at closing
$213,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,030.28
Your down payment$202,030.28
Closing costs + prepaids$11,213.86
Total buyer cash needed$213,244.14
Remaining funds due$213,244.14
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,014.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$506.25
Initial HOA (3 months)$90.00
Prepaid interest, first (14 days)$334.76
Fees + prepaids$11,213.86
Your down payment is the seller’s equity. You take over the $202,970 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $213,244.14 is due at closing. Uses and sources reconcile at $416,213.86 each. Not a Closing Disclosure.