Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$225,336Cash toward the purchase price.
Closing costs + prepaids$12,202Not just lender fees.
Before credits & paid funds$237,538The complete starting cash picture.
Estimated remaining funds due at closing
$237,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,335.65
Your down payment$225,335.65
Closing costs + prepaids$12,202.05
Total buyer cash needed$237,537.70
Remaining funds due$237,537.70
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,072.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$288.00
Prepaid interest, first (30 days)$811.23
Fees + prepaids$12,202.05
Your down payment is the seller’s equity. You take over the $214,564 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $237,537.70 is due at closing. Uses and sources reconcile at $452,102.05 each. Not a Closing Disclosure.