Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$231,808Cash toward the purchase price.
Closing costs + prepaids$11,593Not just lender fees.
Before credits & paid funds$243,401The complete starting cash picture.
Estimated remaining funds due at closing
$243,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,808.21
Your down payment$231,808.21
Closing costs + prepaids$11,592.71
Total buyer cash needed$243,400.91
Remaining funds due$243,400.91
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%)$4,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,040.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$471.75
Prepaid interest, first (30 days)$462.01
Fees + prepaids$11,592.71
Your down payment is the seller’s equity. You take over the $208,191 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $243,400.91 is due at closing. Uses and sources reconcile at $451,591.71 each. Not a Closing Disclosure.