Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$232,132Cash toward the purchase price.
Closing costs + prepaids$12,134Not just lender fees.
Before credits & paid funds$244,266The complete starting cash picture.
Estimated remaining funds due at closing
$244,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,132.48
Your down payment$232,132.48
Closing costs + prepaids$12,133.59
Total buyer cash needed$244,266.07
Remaining funds due$244,266.07
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$789.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$975.00
Initial HOA (3 months)$951.00
Prepaid interest, first (26 days)$300.25
Fees + prepaids$12,133.59
Your down payment is the seller’s equity. You take over the $157,868 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $244,266.07 is due at closing. Uses and sources reconcile at $402,133.59 each. Not a Closing Disclosure.