Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$238,833Cash toward the purchase price.
Closing costs + prepaids$12,457Not just lender fees.
Before credits & paid funds$251,290The complete starting cash picture.
Estimated remaining funds due at closing
$251,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,832.84
Your down payment$238,832.84
Closing costs + prepaids$12,456.99
Total buyer cash needed$251,289.82
Remaining funds due$251,289.82
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,105.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$401.00
Initial HOA (3 months)$285.00
Prepaid interest, first (27 days)$597.15
Fees + prepaids$12,456.99
Your down payment is the seller’s equity. You take over the $221,167 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $251,289.82 is due at closing. Uses and sources reconcile at $472,456.99 each. Not a Closing Disclosure.