Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$212,251Cash toward the purchase price.
Closing costs + prepaids$11,004Not just lender fees.
Before credits & paid funds$223,255The complete starting cash picture.
Estimated remaining funds due at closing
$223,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,251.37
Your down payment$212,251.37
Closing costs + prepaids$11,003.85
Total buyer cash needed$223,255.22
Remaining funds due$223,255.22
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%)$3,997.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$937.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$594.50
Initial HOA (3 months)$234.00
Prepaid interest, first (2 days)$23.11
Fees + prepaids$11,003.85
Your down payment is the seller’s equity. You take over the $187,449 balance, so the rest of the $399,700 price is paid at closing. A second mortgage can cover part of it. $223,255.22 is due at closing. Uses and sources reconcile at $410,703.85 each. Not a Closing Disclosure.