Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$222,570Cash toward the purchase price.
Closing costs + prepaids$11,915Not just lender fees.
Before credits & paid funds$234,484The complete starting cash picture.
Estimated remaining funds due at closing
$234,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,569.63
Your down payment$222,569.63
Closing costs + prepaids$11,914.82
Total buyer cash needed$234,484.45
Remaining funds due$234,484.45
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$962.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$966.25
Prepaid interest, first (30 days)$618.41
Fees + prepaids$11,914.82
Your down payment is the seller’s equity. You take over the $192,430 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $234,484.45 is due at closing. Uses and sources reconcile at $426,914.82 each. Not a Closing Disclosure.