Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$227,340Cash toward the purchase price.
Closing costs + prepaids$11,888Not just lender fees.
Before credits & paid funds$239,228The complete starting cash picture.
Estimated remaining funds due at closing
$239,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,340.16
Your down payment$227,340.16
Closing costs + prepaids$11,887.94
Total buyer cash needed$239,228.11
Remaining funds due$239,228.11
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,058.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$591.75
Initial HOA (3 months)$87.00
Prepaid interest, first (31 days)$542.89
Fees + prepaids$11,887.94
Your down payment is the seller’s equity. You take over the $211,660 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $239,228.11 is due at closing. Uses and sources reconcile at $450,887.94 each. Not a Closing Disclosure.