Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$239,694Cash toward the purchase price.
Closing costs + prepaids$11,561Not just lender fees.
Before credits & paid funds$251,256The complete starting cash picture.
Estimated remaining funds due at closing
$251,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,694.49
Your down payment$239,694.49
Closing costs + prepaids$11,561.22
Total buyer cash needed$251,255.71
Remaining funds due$251,255.71
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$946.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$632.25
Initial HOA (3 months)$71.25
Prepaid interest, first (26 days)$403.19
Fees + prepaids$11,561.22
Your down payment is the seller’s equity. You take over the $189,306 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $251,255.71 is due at closing. Uses and sources reconcile at $440,561.22 each. Not a Closing Disclosure.