Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$226,530Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$238,851The complete starting cash picture.
Estimated remaining funds due at closing
$238,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,529.72
Your down payment$226,529.72
Closing costs + prepaids$12,321.31
Total buyer cash needed$238,851.03
Remaining funds due$238,851.03
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$991.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,056.75
Prepaid interest, first (25 days)$805.71
Fees + prepaids$12,321.31
Your down payment is the seller’s equity. You take over the $198,370 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $238,851.03 is due at closing. Uses and sources reconcile at $437,221.31 each. Not a Closing Disclosure.