Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$243,608Cash toward the purchase price.
Closing costs + prepaids$11,456Not just lender fees.
Before credits & paid funds$255,064The complete starting cash picture.
Estimated remaining funds due at closing
$255,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,607.58
Your down payment$243,607.58
Closing costs + prepaids$11,456.47
Total buyer cash needed$255,064.05
Remaining funds due$255,064.05
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$926.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$549.50
Initial HOA (3 months)$67.50
Prepaid interest, first (22 days)$404.51
Fees + prepaids$11,456.47
Your down payment is the seller’s equity. You take over the $185,392 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $255,064.05 is due at closing. Uses and sources reconcile at $440,456.47 each. Not a Closing Disclosure.