Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$229,844Cash toward the purchase price.
Closing costs + prepaids$11,399Not just lender fees.
Before credits & paid funds$241,243The complete starting cash picture.
Estimated remaining funds due at closing
$241,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,843.65
Your down payment$229,843.65
Closing costs + prepaids$11,398.91
Total buyer cash needed$241,242.56
Remaining funds due$241,242.56
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$825.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.50
Initial HOA (3 months)$345.00
Prepaid interest, first (22 days)$363.12
Fees + prepaids$11,398.91
Your down payment is the seller’s equity. You take over the $165,056 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $241,242.56 is due at closing. Uses and sources reconcile at $406,298.91 each. Not a Closing Disclosure.