Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$221,744Cash toward the purchase price.
Closing costs + prepaids$12,394Not just lender fees.
Before credits & paid funds$234,138The complete starting cash picture.
Estimated remaining funds due at closing
$234,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,744.25
Your down payment$221,744.25
Closing costs + prepaids$12,394.00
Total buyer cash needed$234,138.26
Remaining funds due$234,138.26
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%)$4,564.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,173.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$727.25
Prepaid interest, first (24 days)$459.99
Fees + prepaids$12,394.00
Your down payment is the seller’s equity. You take over the $234,755 balance, so the rest of the $456,499 price is paid at closing. A second mortgage can cover part of it. $234,138.26 is due at closing. Uses and sources reconcile at $468,893.00 each. Not a Closing Disclosure.