Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$238,091Cash toward the purchase price.
Closing costs + prepaids$13,527Not just lender fees.
Before credits & paid funds$251,618The complete starting cash picture.
Estimated remaining funds due at closing
$251,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,090.77
Your down payment$238,090.77
Closing costs + prepaids$13,527.16
Total buyer cash needed$251,617.93
Remaining funds due$251,617.93
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,159.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.75
Initial HOA (3 months)$170.01
Prepaid interest, first (26 days)$533.35
Fees + prepaids$13,527.16
Your down payment is the seller’s equity. You take over the $231,809 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $251,617.93 is due at closing. Uses and sources reconcile at $483,427.16 each. Not a Closing Disclosure.