Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$228,927Cash toward the purchase price.
Closing costs + prepaids$11,106Not just lender fees.
Before credits & paid funds$240,034The complete starting cash picture.
Estimated remaining funds due at closing
$240,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,927.43
Your down payment$228,927.43
Closing costs + prepaids$11,106.49
Total buyer cash needed$240,033.92
Remaining funds due$240,033.92
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,080.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$340.25
Prepaid interest, first (1 days)$17.88
Fees + prepaids$11,106.49
Your down payment is the seller’s equity. You take over the $216,073 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $240,033.92 is due at closing. Uses and sources reconcile at $456,106.49 each. Not a Closing Disclosure.