Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$229,578Cash toward the purchase price.
Closing costs + prepaids$11,351Not just lender fees.
Before credits & paid funds$240,929The complete starting cash picture.
Estimated remaining funds due at closing
$240,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,577.96
Your down payment$229,577.96
Closing costs + prepaids$11,351.25
Total buyer cash needed$240,929.21
Remaining funds due$240,929.21
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%)$927.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.00
Initial HOA (3 months)$237.99
Prepaid interest, first (31 days)$466.15
Fees + prepaids$11,351.25
Your down payment is the seller’s equity. You take over the $185,422 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $240,929.21 is due at closing. Uses and sources reconcile at $426,351.25 each. Not a Closing Disclosure.