Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$226,884Cash toward the purchase price.
Closing costs + prepaids$11,752Not just lender fees.
Before credits & paid funds$238,637The complete starting cash picture.
Estimated remaining funds due at closing
$238,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,884.34
Your down payment$226,884.34
Closing costs + prepaids$11,752.33
Total buyer cash needed$238,636.67
Remaining funds due$238,636.67
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%)$4,470.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,100.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$246.25
Initial HOA (3 months)$216.00
Prepaid interest, first (27 days)$501.50
Fees + prepaids$11,752.33
Your down payment is the seller’s equity. You take over the $220,116 balance, so the rest of the $447,000 price is paid at closing. A second mortgage can cover part of it. $238,636.67 is due at closing. Uses and sources reconcile at $458,752.33 each. Not a Closing Disclosure.