Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$189,340Cash toward the purchase price.
Closing costs + prepaids$11,738Not just lender fees.
Before credits & paid funds$201,078The complete starting cash picture.
Estimated remaining funds due at closing
$201,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,339.67
Your down payment$189,339.67
Closing costs + prepaids$11,737.83
Total buyer cash needed$201,077.50
Remaining funds due$201,077.50
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,152.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,070.75
Prepaid interest, first (5 days)$97.28
Fees + prepaids$11,737.83
Your down payment is the seller’s equity. You take over the $230,560 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $201,077.50 is due at closing. Uses and sources reconcile at $431,637.83 each. Not a Closing Disclosure.