Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$233,536Cash toward the purchase price.
Closing costs + prepaids$11,063Not just lender fees.
Before credits & paid funds$244,599The complete starting cash picture.
Estimated remaining funds due at closing
$244,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,536.33
Your down payment$233,536.33
Closing costs + prepaids$11,062.78
Total buyer cash needed$244,599.11
Remaining funds due$244,599.11
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$757.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$561.75
Initial HOA (3 months)$4.50
Prepaid interest, first (25 days)$671.21
Fees + prepaids$11,062.78
Your down payment is the seller’s equity. You take over the $151,464 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $244,599.11 is due at closing. Uses and sources reconcile at $396,062.78 each. Not a Closing Disclosure.