Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$232,087Cash toward the purchase price.
Closing costs + prepaids$12,265Not just lender fees.
Before credits & paid funds$244,352The complete starting cash picture.
Estimated remaining funds due at closing
$244,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,087.19
Your down payment$232,087.19
Closing costs + prepaids$12,264.51
Total buyer cash needed$244,351.70
Remaining funds due$244,351.70
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,112.25
Prepaid interest, first (24 days)$421.19
Fees + prepaids$12,264.51
Your down payment is the seller’s equity. You take over the $212,813 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $244,351.70 is due at closing. Uses and sources reconcile at $457,164.51 each. Not a Closing Disclosure.