Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$236,021Cash toward the purchase price.
Closing costs + prepaids$10,759Not just lender fees.
Before credits & paid funds$246,781The complete starting cash picture.
Estimated remaining funds due at closing
$246,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,021.32
Your down payment$236,021.32
Closing costs + prepaids$10,759.34
Total buyer cash needed$246,780.66
Remaining funds due$246,780.66
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$694.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$505.50
Initial HOA (3 months)$84.00
Prepaid interest, first (23 days)$508.45
Fees + prepaids$10,759.34
Your down payment is the seller’s equity. You take over the $138,879 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $246,780.66 is due at closing. Uses and sources reconcile at $385,659.34 each. Not a Closing Disclosure.