Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$216,195Cash toward the purchase price.
Closing costs + prepaids$11,959Not just lender fees.
Before credits & paid funds$228,153The complete starting cash picture.
Estimated remaining funds due at closing
$228,153No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,194.51
Your down payment$216,194.51
Closing costs + prepaids$11,958.65
Total buyer cash needed$228,153.17
Remaining funds due$228,153.17
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%)$1,219.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$133.25
Prepaid interest, first (26 days)$538.38
Fees + prepaids$11,958.65
Your down payment is the seller’s equity. You take over the $243,805 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $228,153.17 is due at closing. Uses and sources reconcile at $471,958.65 each. Not a Closing Disclosure.