Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$232,279Cash toward the purchase price.
Closing costs + prepaids$11,406Not just lender fees.
Before credits & paid funds$243,685The complete starting cash picture.
Estimated remaining funds due at closing
$243,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,279.29
Your down payment$232,279.29
Closing costs + prepaids$11,406.02
Total buyer cash needed$243,685.31
Remaining funds due$243,685.31
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%)$4,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,013.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$543.75
Prepaid interest, first (17 days)$282.17
Fees + prepaids$11,406.02
Your down payment is the seller’s equity. You take over the $202,621 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $243,685.31 is due at closing. Uses and sources reconcile at $446,306.02 each. Not a Closing Disclosure.