Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$230,488Cash toward the purchase price.
Closing costs + prepaids$10,439Not just lender fees.
Before credits & paid funds$240,927The complete starting cash picture.
Estimated remaining funds due at closing
$240,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,488.44
Your down payment$230,488.44
Closing costs + prepaids$10,438.91
Total buyer cash needed$240,927.35
Remaining funds due$240,927.35
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$622.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$668.25
Initial HOA (3 months)$27.99
Prepaid interest, first (26 days)$352.11
Fees + prepaids$10,438.91
Your down payment is the seller’s equity. You take over the $124,512 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $240,927.35 is due at closing. Uses and sources reconcile at $365,438.91 each. Not a Closing Disclosure.