Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$213,872Cash toward the purchase price.
Closing costs + prepaids$12,203Not just lender fees.
Before credits & paid funds$226,075The complete starting cash picture.
Estimated remaining funds due at closing
$226,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,872.32
Your down payment$213,872.32
Closing costs + prepaids$12,202.82
Total buyer cash needed$226,075.14
Remaining funds due$226,075.14
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%)$4,549.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,205.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$432.75
Prepaid interest, first (22 days)$546.46
Fees + prepaids$12,202.82
Your down payment is the seller’s equity. You take over the $241,126 balance, so the rest of the $454,998 price is paid at closing. A second mortgage can cover part of it. $226,075.14 is due at closing. Uses and sources reconcile at $467,200.82 each. Not a Closing Disclosure.