Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$238,030Cash toward the purchase price.
Closing costs + prepaids$11,009Not just lender fees.
Before credits & paid funds$249,039The complete starting cash picture.
Estimated remaining funds due at closing
$249,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,030.16
Your down payment$238,030.16
Closing costs + prepaids$11,008.89
Total buyer cash needed$249,039.05
Remaining funds due$249,039.05
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%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$854.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.75
Initial HOA (3 months)$201.00
Prepaid interest, first (9 days)$154.29
Fees + prepaids$11,008.89
Your down payment is the seller’s equity. You take over the $170,970 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $249,039.05 is due at closing. Uses and sources reconcile at $420,008.89 each. Not a Closing Disclosure.