Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$216,882Cash toward the purchase price.
Closing costs + prepaids$12,262Not just lender fees.
Before credits & paid funds$229,144The complete starting cash picture.
Estimated remaining funds due at closing
$229,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,882.11
Your down payment$216,882.11
Closing costs + prepaids$12,261.61
Total buyer cash needed$229,143.72
Remaining funds due$229,143.72
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,115.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$825.00
Prepaid interest, first (9 days)$176.52
Fees + prepaids$12,261.61
Your down payment is the seller’s equity. You take over the $223,018 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $229,143.72 is due at closing. Uses and sources reconcile at $452,161.61 each. Not a Closing Disclosure.