Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$229,805Cash toward the purchase price.
Closing costs + prepaids$11,920Not just lender fees.
Before credits & paid funds$241,725The complete starting cash picture.
Estimated remaining funds due at closing
$241,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,805.47
Your down payment$229,805.47
Closing costs + prepaids$11,919.63
Total buyer cash needed$241,725.11
Remaining funds due$241,725.11
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,050.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$788.00
Prepaid interest, first (26 days)$462.66
Fees + prepaids$11,919.63
Your down payment is the seller’s equity. You take over the $210,195 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $241,725.11 is due at closing. Uses and sources reconcile at $451,919.63 each. Not a Closing Disclosure.