Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$213,833Cash toward the purchase price.
Closing costs + prepaids$11,802Not just lender fees.
Before credits & paid funds$225,635The complete starting cash picture.
Estimated remaining funds due at closing
$225,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,832.84
Your down payment$213,832.84
Closing costs + prepaids$11,802.17
Total buyer cash needed$225,635.01
Remaining funds due$225,635.01
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,105.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.00
Initial HOA (3 months)$285.00
Prepaid interest, first (20 days)$442.33
Fees + prepaids$11,802.17
Your down payment is the seller’s equity. You take over the $221,167 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $225,635.01 is due at closing. Uses and sources reconcile at $446,802.17 each. Not a Closing Disclosure.