Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$230,567Cash toward the purchase price.
Closing costs + prepaids$10,969Not just lender fees.
Before credits & paid funds$241,536The complete starting cash picture.
Estimated remaining funds due at closing
$241,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,567.31
Your down payment$230,567.31
Closing costs + prepaids$10,969.16
Total buyer cash needed$241,536.47
Remaining funds due$241,536.47
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$922.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.00
Prepaid interest, first (9 days)$181.00
Fees + prepaids$10,969.16
Your down payment is the seller’s equity. You take over the $184,433 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $241,536.47 is due at closing. Uses and sources reconcile at $425,969.16 each. Not a Closing Disclosure.