Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$220,799Cash toward the purchase price.
Closing costs + prepaids$11,347Not just lender fees.
Before credits & paid funds$232,146The complete starting cash picture.
Estimated remaining funds due at closing
$232,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,799.21
Your down payment$220,799.21
Closing costs + prepaids$11,347.12
Total buyer cash needed$232,146.33
Remaining funds due$232,146.33
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%)$4,335.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,063.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.25
Prepaid interest, first (10 days)$210.37
Fees + prepaids$11,347.12
Your down payment is the seller’s equity. You take over the $212,701 balance, so the rest of the $433,500 price is paid at closing. A second mortgage can cover part of it. $232,146.33 is due at closing. Uses and sources reconcile at $444,847.12 each. Not a Closing Disclosure.