Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$230,906Cash toward the purchase price.
Closing costs + prepaids$14,198Not just lender fees.
Before credits & paid funds$245,105The complete starting cash picture.
Estimated remaining funds due at closing
$245,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,906.44
Your down payment$230,906.44
Closing costs + prepaids$14,198.10
Total buyer cash needed$245,104.54
Remaining funds due$245,104.54
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%)$4,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$919.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,620.75
Initial HOA (3 months)$1,493.01
Prepaid interest, first (22 days)$797.37
Fees + prepaids$14,198.10
Your down payment is the seller’s equity. You take over the $183,994 balance, so the rest of the $414,900 price is paid at closing. A second mortgage can cover part of it. $245,104.54 is due at closing. Uses and sources reconcile at $429,098.10 each. Not a Closing Disclosure.