Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$201,913Cash toward the purchase price.
Closing costs + prepaids$11,868Not just lender fees.
Before credits & paid funds$213,781The complete starting cash picture.
Estimated remaining funds due at closing
$213,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,913.19
Your down payment$201,913.19
Closing costs + prepaids$11,867.95
Total buyer cash needed$213,781.13
Remaining funds due$213,781.13
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,185.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.25
Prepaid interest, first (28 days)$549.26
Fees + prepaids$11,867.95
Your down payment is the seller’s equity. You take over the $237,087 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $213,781.13 is due at closing. Uses and sources reconcile at $450,867.95 each. Not a Closing Disclosure.