Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$208,993Cash toward the purchase price.
Closing costs + prepaids$11,767Not just lender fees.
Before credits & paid funds$220,761The complete starting cash picture.
Estimated remaining funds due at closing
$220,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,993.42
Your down payment$208,993.42
Closing costs + prepaids$11,767.29
Total buyer cash needed$220,760.71
Remaining funds due$220,760.71
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,155.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$180.00
Prepaid interest, first (20 days)$401.26
Fees + prepaids$11,767.29
Your down payment is the seller’s equity. You take over the $231,007 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $220,760.71 is due at closing. Uses and sources reconcile at $451,767.29 each. Not a Closing Disclosure.