Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$240,244Cash toward the purchase price.
Closing costs + prepaids$11,430Not just lender fees.
Before credits & paid funds$251,675The complete starting cash picture.
Estimated remaining funds due at closing
$251,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,244.46
Your down payment$240,244.46
Closing costs + prepaids$11,430.24
Total buyer cash needed$251,674.69
Remaining funds due$251,674.69
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$948.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.00
Initial HOA (3 months)$144.99
Prepaid interest, first (9 days)$303.97
Fees + prepaids$11,430.24
Your down payment is the seller’s equity. You take over the $189,656 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $251,674.69 is due at closing. Uses and sources reconcile at $441,330.24 each. Not a Closing Disclosure.