Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$228,034Cash toward the purchase price.
Closing costs + prepaids$12,395Not just lender fees.
Before credits & paid funds$240,428The complete starting cash picture.
Estimated remaining funds due at closing
$240,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,033.77
Your down payment$228,033.77
Closing costs + prepaids$12,394.69
Total buyer cash needed$240,428.45
Remaining funds due$240,428.45
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%)$1,084.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$696.00
Prepaid interest, first (24 days)$945.85
Fees + prepaids$12,394.69
Your down payment is the seller’s equity. You take over the $216,966 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $240,428.45 is due at closing. Uses and sources reconcile at $457,394.69 each. Not a Closing Disclosure.