Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$191,214Cash toward the purchase price.
Closing costs + prepaids$11,656Not just lender fees.
Before credits & paid funds$202,869The complete starting cash picture.
Estimated remaining funds due at closing
$202,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$191,213.64
Your down payment$191,213.64
Closing costs + prepaids$11,655.51
Total buyer cash needed$202,869.16
Remaining funds due$202,869.16
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%)$4,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,218.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.75
Prepaid interest, first (30 days)$456.85
Fees + prepaids$11,655.51
Your down payment is the seller’s equity. You take over the $243,785 balance, so the rest of the $434,999 price is paid at closing. A second mortgage can cover part of it. $202,869.16 is due at closing. Uses and sources reconcile at $446,654.51 each. Not a Closing Disclosure.