Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$202,874Cash toward the purchase price.
Closing costs + prepaids$11,885Not just lender fees.
Before credits & paid funds$214,760The complete starting cash picture.
Estimated remaining funds due at closing
$214,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,874.32
Your down payment$202,874.32
Closing costs + prepaids$11,885.34
Total buyer cash needed$214,759.66
Remaining funds due$214,759.66
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%)$4,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,205.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$475.25
Prepaid interest, first (22 days)$546.46
Fees + prepaids$11,885.34
Your down payment is the seller’s equity. You take over the $241,126 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $214,759.66 is due at closing. Uses and sources reconcile at $455,885.34 each. Not a Closing Disclosure.