Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$219,805Cash toward the purchase price.
Closing costs + prepaids$11,299Not just lender fees.
Before credits & paid funds$231,104The complete starting cash picture.
Estimated remaining funds due at closing
$231,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,805.47
Your down payment$219,805.47
Closing costs + prepaids$11,298.51
Total buyer cash needed$231,103.98
Remaining funds due$231,103.98
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,050.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.00
Prepaid interest, first (12 days)$213.53
Fees + prepaids$11,298.51
Your down payment is the seller’s equity. You take over the $210,195 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $231,103.98 is due at closing. Uses and sources reconcile at $441,298.51 each. Not a Closing Disclosure.