Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$214,324Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$225,113The complete starting cash picture.
Estimated remaining funds due at closing
$225,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,324.05
Your down payment$214,324.05
Closing costs + prepaids$10,788.89
Total buyer cash needed$225,112.94
Remaining funds due$225,112.94
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%)$928.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Prepaid interest, first (9 days)$162.53
Fees + prepaids$10,788.89
Your down payment is the seller’s equity. You take over the $185,675 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $225,112.94 is due at closing. Uses and sources reconcile at $410,787.89 each. Not a Closing Disclosure.