Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$222,755Cash toward the purchase price.
Closing costs + prepaids$13,830Not just lender fees.
Before credits & paid funds$236,585The complete starting cash picture.
Estimated remaining funds due at closing
$236,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,754.90
Your down payment$222,754.90
Closing costs + prepaids$13,829.62
Total buyer cash needed$236,584.52
Remaining funds due$236,584.52
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$981.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$771.75
Initial HOA (3 months)$2,274.00
Prepaid interest, first (20 days)$394.64
Fees + prepaids$13,829.62
Your down payment is the seller’s equity. You take over the $196,245 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $236,584.52 is due at closing. Uses and sources reconcile at $432,829.62 each. Not a Closing Disclosure.