Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$234,866Cash toward the purchase price.
Closing costs + prepaids$11,172Not just lender fees.
Before credits & paid funds$246,037The complete starting cash picture.
Estimated remaining funds due at closing
$246,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,865.62
Your down payment$234,865.62
Closing costs + prepaids$11,171.69
Total buyer cash needed$246,037.31
Remaining funds due$246,037.31
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$925.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.50
Initial HOA (3 months)$63.00
Prepaid interest, first (21 days)$330.02
Fees + prepaids$11,171.69
Your down payment is the seller’s equity. You take over the $185,034 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $246,037.31 is due at closing. Uses and sources reconcile at $431,071.69 each. Not a Closing Disclosure.