Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$214,557Cash toward the purchase price.
Closing costs + prepaids$12,245Not just lender fees.
Before credits & paid funds$226,802The complete starting cash picture.
Estimated remaining funds due at closing
$226,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,557.30
Your down payment$214,557.30
Closing costs + prepaids$12,245.03
Total buyer cash needed$226,802.32
Remaining funds due$226,802.32
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,126.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$909.00
Prepaid interest, first (26 days)$592.31
Fees + prepaids$12,245.03
Your down payment is the seller’s equity. You take over the $225,343 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $226,802.32 is due at closing. Uses and sources reconcile at $452,145.03 each. Not a Closing Disclosure.