Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$239,384Cash toward the purchase price.
Closing costs + prepaids$11,968Not just lender fees.
Before credits & paid funds$251,351The complete starting cash picture.
Estimated remaining funds due at closing
$251,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,383.59
Your down payment$239,383.59
Closing costs + prepaids$11,967.60
Total buyer cash needed$251,351.18
Remaining funds due$251,351.18
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%)$4,269.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$937.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$712.75
Initial HOA (3 months)$327.00
Prepaid interest, first (31 days)$503.26
Fees + prepaids$11,967.60
Your down payment is the seller’s equity. You take over the $187,516 balance, so the rest of the $426,900 price is paid at closing. A second mortgage can cover part of it. $251,351.18 is due at closing. Uses and sources reconcile at $438,867.60 each. Not a Closing Disclosure.