Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$215,595Cash toward the purchase price.
Closing costs + prepaids$11,823Not just lender fees.
Before credits & paid funds$227,418The complete starting cash picture.
Estimated remaining funds due at closing
$227,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,594.91
Your down payment$215,594.91
Closing costs + prepaids$11,822.94
Total buyer cash needed$227,417.85
Remaining funds due$227,417.85
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$922.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$1,035.00
Prepaid interest, first (12 days)$167.93
Fees + prepaids$11,822.94
Your down payment is the seller’s equity. You take over the $184,404 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $227,417.85 is due at closing. Uses and sources reconcile at $411,821.94 each. Not a Closing Disclosure.