Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$229,584Cash toward the purchase price.
Closing costs + prepaids$11,109Not just lender fees.
Before credits & paid funds$240,693The complete starting cash picture.
Estimated remaining funds due at closing
$240,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,584.01
Your down payment$229,584.01
Closing costs + prepaids$11,109.05
Total buyer cash needed$240,693.06
Remaining funds due$240,693.06
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$897.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$416.00
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$362.96
Fees + prepaids$11,109.05
Your down payment is the seller’s equity. You take over the $179,416 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $240,693.06 is due at closing. Uses and sources reconcile at $420,109.05 each. Not a Closing Disclosure.