Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$227,727Cash toward the purchase price.
Closing costs + prepaids$14,333Not just lender fees.
Before credits & paid funds$242,060The complete starting cash picture.
Estimated remaining funds due at closing
$242,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,727.16
Your down payment$227,727.16
Closing costs + prepaids$14,332.58
Total buyer cash needed$242,059.74
Remaining funds due$242,059.74
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.50
Initial HOA (3 months)$444.00
Prepaid interest, first (21 days)$677.21
Fees + prepaids$14,332.58
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $242,059.74 is due at closing. Uses and sources reconcile at $604,232.58 each. Not a Closing Disclosure.