Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$237,920Cash toward the purchase price.
Closing costs + prepaids$8,708Not just lender fees.
Before credits & paid funds$246,628The complete starting cash picture.
Estimated remaining funds due at closing
$246,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,920.06
Your down payment$237,920.06
Closing costs + prepaids$8,707.51
Total buyer cash needed$246,627.57
Remaining funds due$246,627.57
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%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$59.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$170.25
Initial HOA (3 months)$735.00
Prepaid interest, first (24 days)$25.36
Fees + prepaids$8,707.51
Your down payment is the seller’s equity. You take over the $11,980 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $246,627.57 is due at closing. Uses and sources reconcile at $258,607.51 each. Not a Closing Disclosure.