Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$221,390Cash toward the purchase price.
Closing costs + prepaids$10,697Not just lender fees.
Before credits & paid funds$232,087The complete starting cash picture.
Estimated remaining funds due at closing
$232,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,389.99
Your down payment$221,389.99
Closing costs + prepaids$10,697.37
Total buyer cash needed$232,087.36
Remaining funds due$232,087.36
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%)$3,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$828.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.75
Initial HOA (3 months)$60.00
Prepaid interest, first (17 days)$237.57
Fees + prepaids$10,697.37
Your down payment is the seller’s equity. You take over the $165,610 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $232,087.36 is due at closing. Uses and sources reconcile at $397,697.37 each. Not a Closing Disclosure.