Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$234,866Cash toward the purchase price.
Closing costs + prepaids$11,329Not just lender fees.
Before credits & paid funds$246,194The complete starting cash picture.
Estimated remaining funds due at closing
$246,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,865.62
Your down payment$234,865.62
Closing costs + prepaids$11,328.84
Total buyer cash needed$246,194.46
Remaining funds due$246,194.46
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$925.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.50
Initial HOA (3 months)$63.00
Prepaid interest, first (31 days)$487.17
Fees + prepaids$11,328.84
Your down payment is the seller’s equity. You take over the $185,034 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $246,194.46 is due at closing. Uses and sources reconcile at $431,228.84 each. Not a Closing Disclosure.