Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$222,717Cash toward the purchase price.
Closing costs + prepaids$11,076Not just lender fees.
Before credits & paid funds$233,794The complete starting cash picture.
Estimated remaining funds due at closing
$233,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,717.23
Your down payment$222,717.23
Closing costs + prepaids$11,076.38
Total buyer cash needed$233,793.61
Remaining funds due$233,793.61
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$831.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.75
Initial HOA (3 months)$555.00
Prepaid interest, first (9 days)$115.21
Fees + prepaids$11,076.38
Your down payment is the seller’s equity. You take over the $166,283 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $233,793.61 is due at closing. Uses and sources reconcile at $400,076.38 each. Not a Closing Disclosure.