Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$225,410Cash toward the purchase price.
Closing costs + prepaids$11,461Not just lender fees.
Before credits & paid funds$236,871The complete starting cash picture.
Estimated remaining funds due at closing
$236,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,409.90
Your down payment$225,409.90
Closing costs + prepaids$11,461.24
Total buyer cash needed$236,871.13
Remaining funds due$236,871.13
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%)$4,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$962.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$557.25
Initial HOA (3 months)$90.00
Prepaid interest, first (27 days)$453.04
Fees + prepaids$11,461.24
Your down payment is the seller’s equity. You take over the $192,590 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $236,871.13 is due at closing. Uses and sources reconcile at $429,461.24 each. Not a Closing Disclosure.