Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$224,832Cash toward the purchase price.
Closing costs + prepaids$11,402Not just lender fees.
Before credits & paid funds$236,234The complete starting cash picture.
Estimated remaining funds due at closing
$236,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,832.43
Your down payment$224,832.43
Closing costs + prepaids$11,401.60
Total buyer cash needed$236,234.04
Remaining funds due$236,234.04
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%)$3,925.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$981.25
Initial HOA (3 months)$30.00
Prepaid interest, first (28 days)$409.02
Fees + prepaids$11,401.60
Your down payment is the seller’s equity. You take over the $167,668 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $236,234.04 is due at closing. Uses and sources reconcile at $403,901.60 each. Not a Closing Disclosure.