Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$213,231Cash toward the purchase price.
Closing costs + prepaids$12,514Not just lender fees.
Before credits & paid funds$225,746The complete starting cash picture.
Estimated remaining funds due at closing
$225,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,231.27
Your down payment$213,231.27
Closing costs + prepaids$12,514.25
Total buyer cash needed$225,745.52
Remaining funds due$225,745.52
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%)$4,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,233.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$590.00
Initial HOA (3 months)$105.99
Prepaid interest, first (27 days)$516.57
Fees + prepaids$12,514.25
Your down payment is the seller’s equity. You take over the $246,759 balance, so the rest of the $459,990 price is paid at closing. A second mortgage can cover part of it. $225,745.52 is due at closing. Uses and sources reconcile at $472,504.25 each. Not a Closing Disclosure.