Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$217,676Cash toward the purchase price.
Closing costs + prepaids$10,971Not just lender fees.
Before credits & paid funds$228,647The complete starting cash picture.
Estimated remaining funds due at closing
$228,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,675.69
Your down payment$217,675.69
Closing costs + prepaids$10,971.43
Total buyer cash needed$228,647.12
Remaining funds due$228,647.12
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$961.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.00
Prepaid interest, first (12 days)$199.81
Fees + prepaids$10,971.43
Your down payment is the seller’s equity. You take over the $192,324 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $228,647.12 is due at closing. Uses and sources reconcile at $420,971.43 each. Not a Closing Disclosure.