Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$233,443Cash toward the purchase price.
Closing costs + prepaids$12,394Not just lender fees.
Before credits & paid funds$245,837The complete starting cash picture.
Estimated remaining funds due at closing
$245,837No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,442.55
Your down payment$233,442.55
Closing costs + prepaids$12,394.21
Total buyer cash needed$245,836.76
Remaining funds due$245,836.76
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,027.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,018.00
Initial HOA (3 months)$282.00
Prepaid interest, first (22 days)$458.42
Fees + prepaids$12,394.21
Your down payment is the seller’s equity. You take over the $205,557 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $245,836.76 is due at closing. Uses and sources reconcile at $451,394.21 each. Not a Closing Disclosure.