Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$223,589Cash toward the purchase price.
Closing costs + prepaids$12,959Not just lender fees.
Before credits & paid funds$236,549The complete starting cash picture.
Estimated remaining funds due at closing
$236,549No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,589.21
Your down payment$223,589.21
Closing costs + prepaids$12,959.33
Total buyer cash needed$236,548.54
Remaining funds due$236,548.54
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,207.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,016.75
Initial HOA (3 months)$165.00
Prepaid interest, first (22 days)$452.53
Fees + prepaids$12,959.33
Your down payment is the seller’s equity. You take over the $241,411 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $236,548.54 is due at closing. Uses and sources reconcile at $477,959.33 each. Not a Closing Disclosure.