Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$233,419Cash toward the purchase price.
Closing costs + prepaids$11,272Not just lender fees.
Before credits & paid funds$244,691The complete starting cash picture.
Estimated remaining funds due at closing
$244,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,418.87
Your down payment$233,418.87
Closing costs + prepaids$11,271.93
Total buyer cash needed$244,690.81
Remaining funds due$244,690.81
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%)$1,032.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$228.75
Prepaid interest, first (29 days)$392.28
Fees + prepaids$11,271.93
Your down payment is the seller’s equity. You take over the $206,581 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $244,690.81 is due at closing. Uses and sources reconcile at $451,271.93 each. Not a Closing Disclosure.