Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$238,497Cash toward the purchase price.
Closing costs + prepaids$11,719Not just lender fees.
Before credits & paid funds$250,216The complete starting cash picture.
Estimated remaining funds due at closing
$250,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,496.58
Your down payment$238,496.58
Closing costs + prepaids$11,719.28
Total buyer cash needed$250,215.86
Remaining funds due$250,215.86
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,032.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$644.00
Prepaid interest, first (23 days)$374.76
Fees + prepaids$11,719.28
Your down payment is the seller’s equity. You take over the $206,503 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $250,215.86 is due at closing. Uses and sources reconcile at $456,719.28 each. Not a Closing Disclosure.