Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$243,213Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$254,788The complete starting cash picture.
Estimated remaining funds due at closing
$254,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,213.22
Your down payment$243,213.22
Closing costs + prepaids$11,574.33
Total buyer cash needed$254,787.55
Remaining funds due$254,787.55
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%)$4,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$931.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$609.50
Initial HOA (3 months)$186.00
Prepaid interest, first (24 days)$334.40
Fees + prepaids$11,574.33
Your down payment is the seller’s equity. You take over the $186,287 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $254,787.55 is due at closing. Uses and sources reconcile at $441,074.33 each. Not a Closing Disclosure.