Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$227,583Cash toward the purchase price.
Closing costs + prepaids$12,055Not just lender fees.
Before credits & paid funds$239,638The complete starting cash picture.
Estimated remaining funds due at closing
$239,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,583.12
Your down payment$227,583.12
Closing costs + prepaids$12,054.91
Total buyer cash needed$239,638.03
Remaining funds due$239,638.03
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$957.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$546.25
Initial HOA (3 months)$690.00
Prepaid interest, first (31 days)$453.58
Fees + prepaids$12,054.91
Your down payment is the seller’s equity. You take over the $191,417 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $239,638.03 is due at closing. Uses and sources reconcile at $431,054.91 each. Not a Closing Disclosure.