Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$228,840Cash toward the purchase price.
Closing costs + prepaids$13,782Not just lender fees.
Before credits & paid funds$242,623The complete starting cash picture.
Estimated remaining funds due at closing
$242,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,840.46
Your down payment$228,840.46
Closing costs + prepaids$13,782.07
Total buyer cash needed$242,622.53
Remaining funds due$242,622.53
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,130.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$834.00
Initial HOA (3 months)$1,139.01
Prepaid interest, first (24 days)$660.26
Fees + prepaids$13,782.07
Your down payment is the seller’s equity. You take over the $226,160 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $242,622.53 is due at closing. Uses and sources reconcile at $468,782.07 each. Not a Closing Disclosure.