Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$213,232Cash toward the purchase price.
Closing costs + prepaids$12,147Not just lender fees.
Before credits & paid funds$225,380The complete starting cash picture.
Estimated remaining funds due at closing
$225,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,232.27
Your down payment$213,232.27
Closing costs + prepaids$12,147.35
Total buyer cash needed$225,379.63
Remaining funds due$225,379.63
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,133.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$856.50
Initial HOA (3 months)$37.50
Prepaid interest, first (30 days)$503.02
Fees + prepaids$12,147.35
Your down payment is the seller’s equity. You take over the $226,668 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $225,379.63 is due at closing. Uses and sources reconcile at $452,047.35 each. Not a Closing Disclosure.