Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$226,415Cash toward the purchase price.
Closing costs + prepaids$13,804Not just lender fees.
Before credits & paid funds$240,220The complete starting cash picture.
Estimated remaining funds due at closing
$240,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,415.25
Your down payment$226,415.25
Closing costs + prepaids$13,804.27
Total buyer cash needed$240,219.52
Remaining funds due$240,219.52
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%)$5,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,592.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$735.50
Initial HOA (3 months)$129.00
Prepaid interest, first (18 days)$430.35
Fees + prepaids$13,804.27
Your down payment is the seller’s equity. You take over the $318,485 balance, so the rest of the $544,900 price is paid at closing. A second mortgage can cover part of it. $240,219.52 is due at closing. Uses and sources reconcile at $558,704.27 each. Not a Closing Disclosure.