Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$217,779Cash toward the purchase price.
Closing costs + prepaids$11,224Not just lender fees.
Before credits & paid funds$229,003The complete starting cash picture.
Estimated remaining funds due at closing
$229,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,779.04
Your down payment$217,779.04
Closing costs + prepaids$11,224.14
Total buyer cash needed$229,003.18
Remaining funds due$229,003.18
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,011.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Prepaid interest, first (17 days)$291.03
Fees + prepaids$11,224.14
Your down payment is the seller’s equity. You take over the $202,221 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $229,003.18 is due at closing. Uses and sources reconcile at $431,224.14 each. Not a Closing Disclosure.