Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$220,482Cash toward the purchase price.
Closing costs + prepaids$12,079Not just lender fees.
Before credits & paid funds$232,560The complete starting cash picture.
Estimated remaining funds due at closing
$232,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,481.92
Your down payment$220,481.92
Closing costs + prepaids$12,078.55
Total buyer cash needed$232,560.47
Remaining funds due$232,560.47
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,097.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$629.00
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$555.46
Fees + prepaids$12,078.55
Your down payment is the seller’s equity. You take over the $219,418 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $232,560.47 is due at closing. Uses and sources reconcile at $451,978.55 each. Not a Closing Disclosure.