Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$229,676Cash toward the purchase price.
Closing costs + prepaids$11,118Not just lender fees.
Before credits & paid funds$240,794The complete starting cash picture.
Estimated remaining funds due at closing
$240,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,675.94
Your down payment$229,675.94
Closing costs + prepaids$11,117.61
Total buyer cash needed$240,793.55
Remaining funds due$240,793.55
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%)$3,569.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$636.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$639.75
Initial HOA (3 months)$702.00
Prepaid interest, first (23 days)$352.74
Fees + prepaids$11,117.61
Your down payment is the seller’s equity. You take over the $127,224 balance, so the rest of the $356,900 price is paid at closing. A second mortgage can cover part of it. $240,793.55 is due at closing. Uses and sources reconcile at $368,017.61 each. Not a Closing Disclosure.