Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$226,326Cash toward the purchase price.
Closing costs + prepaids$11,530Not just lender fees.
Before credits & paid funds$237,856The complete starting cash picture.
Estimated remaining funds due at closing
$237,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,325.88
Your down payment$226,325.88
Closing costs + prepaids$11,530.06
Total buyer cash needed$237,855.94
Remaining funds due$237,855.94
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%)$4,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,088.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.25
Initial HOA (3 months)$114.00
Prepaid interest, first (1 days)$19.44
Fees + prepaids$11,530.06
Your down payment is the seller’s equity. You take over the $217,674 balance, so the rest of the $444,000 price is paid at closing. A second mortgage can cover part of it. $237,855.94 is due at closing. Uses and sources reconcile at $455,530.06 each. Not a Closing Disclosure.