Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$197,343Cash toward the purchase price.
Closing costs + prepaids$12,034Not just lender fees.
Before credits & paid funds$209,377The complete starting cash picture.
Estimated remaining funds due at closing
$209,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,342.93
Your down payment$197,342.93
Closing costs + prepaids$12,033.72
Total buyer cash needed$209,376.64
Remaining funds due$209,376.64
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,213.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.25
Initial HOA (3 months)$162.00
Prepaid interest, first (29 days)$557.18
Fees + prepaids$12,033.72
Your down payment is the seller’s equity. You take over the $242,657 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $209,376.64 is due at closing. Uses and sources reconcile at $452,033.72 each. Not a Closing Disclosure.