Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$196,489Cash toward the purchase price.
Closing costs + prepaids$11,205Not just lender fees.
Before credits & paid funds$207,694The complete starting cash picture.
Estimated remaining funds due at closing
$207,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,488.95
Your down payment$196,488.95
Closing costs + prepaids$11,205.22
Total buyer cash needed$207,694.17
Remaining funds due$207,694.17
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,017.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.00
Initial HOA (3 months)$282.00
Prepaid interest, first (19 days)$297.68
Fees + prepaids$11,205.22
Your down payment is the seller’s equity. You take over the $203,510 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $207,694.17 is due at closing. Uses and sources reconcile at $411,204.22 each. Not a Closing Disclosure.