Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$213,619Cash toward the purchase price.
Closing costs + prepaids$11,492Not just lender fees.
Before credits & paid funds$225,111The complete starting cash picture.
Estimated remaining funds due at closing
$225,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,618.72
Your down payment$213,618.72
Closing costs + prepaids$11,491.90
Total buyer cash needed$225,110.61
Remaining funds due$225,110.61
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$856.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$626.25
Initial HOA (3 months)$710.01
Prepaid interest, first (18 days)$230.73
Fees + prepaids$11,491.90
Your down payment is the seller’s equity. You take over the $171,381 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $225,110.61 is due at closing. Uses and sources reconcile at $396,491.90 each. Not a Closing Disclosure.