Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$240,906Cash toward the purchase price.
Closing costs + prepaids$14,588Not just lender fees.
Before credits & paid funds$255,494The complete starting cash picture.
Estimated remaining funds due at closing
$255,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,906.44
Your down payment$240,906.44
Closing costs + prepaids$14,588.05
Total buyer cash needed$255,494.49
Remaining funds due$255,494.49
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$919.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,620.75
Initial HOA (3 months)$1,493.01
Prepaid interest, first (30 days)$1,087.33
Fees + prepaids$14,588.05
Your down payment is the seller’s equity. You take over the $183,994 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $255,494.49 is due at closing. Uses and sources reconcile at $439,488.05 each. Not a Closing Disclosure.