Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$234,246Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$244,982The complete starting cash picture.
Estimated remaining funds due at closing
$244,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,245.52
Your down payment$234,245.52
Closing costs + prepaids$10,736.07
Total buyer cash needed$244,981.59
Remaining funds due$244,981.59
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$903.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$15.50
Initial HOA (3 months)$38.76
Prepaid interest, first (23 days)$410.04
Fees + prepaids$10,736.07
Your down payment is the seller’s equity. You take over the $180,754 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $244,981.59 is due at closing. Uses and sources reconcile at $425,736.07 each. Not a Closing Disclosure.