Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$217,099Cash toward the purchase price.
Closing costs + prepaids$12,852Not just lender fees.
Before credits & paid funds$229,950The complete starting cash picture.
Estimated remaining funds due at closing
$229,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,098.59
Your down payment$217,098.59
Closing costs + prepaids$12,851.55
Total buyer cash needed$229,950.14
Remaining funds due$229,950.14
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%)$4,540.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,184.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$947.25
Initial HOA (3 months)$255.00
Prepaid interest, first (23 days)$456.80
Fees + prepaids$12,851.55
Your down payment is the seller’s equity. You take over the $236,901 balance, so the rest of the $454,000 price is paid at closing. A second mortgage can cover part of it. $229,950.14 is due at closing. Uses and sources reconcile at $466,851.55 each. Not a Closing Disclosure.