Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$208,088Cash toward the purchase price.
Closing costs + prepaids$13,306Not just lender fees.
Before credits & paid funds$221,394The complete starting cash picture.
Estimated remaining funds due at closing
$221,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,088.21
Your down payment$208,088.21
Closing costs + prepaids$13,305.63
Total buyer cash needed$221,393.85
Remaining funds due$221,393.85
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,209.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,125.00
Initial HOA (3 months)$585.00
Prepaid interest, first (24 days)$668.07
Fees + prepaids$13,305.63
Your down payment is the seller’s equity. You take over the $241,912 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $221,393.85 is due at closing. Uses and sources reconcile at $463,305.63 each. Not a Closing Disclosure.