Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$246,189Cash toward the purchase price.
Closing costs + prepaids$12,399Not just lender fees.
Before credits & paid funds$258,589The complete starting cash picture.
Estimated remaining funds due at closing
$258,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,189.47
Your down payment$246,189.47
Closing costs + prepaids$12,399.47
Total buyer cash needed$258,588.94
Remaining funds due$258,588.94
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$968.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,357.50
Prepaid interest, first (25 days)$456.41
Fees + prepaids$12,399.47
Your down payment is the seller’s equity. You take over the $193,711 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $258,588.94 is due at closing. Uses and sources reconcile at $452,299.47 each. Not a Closing Disclosure.