Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$217,391Cash toward the purchase price.
Closing costs + prepaids$12,219Not just lender fees.
Before credits & paid funds$229,610The complete starting cash picture.
Estimated remaining funds due at closing
$229,610No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,391.16
Your down payment$217,391.16
Closing costs + prepaids$12,219.06
Total buyer cash needed$229,610.23
Remaining funds due$229,610.23
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%)$1,188.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$483.25
Prepaid interest, first (26 days)$529.77
Fees + prepaids$12,219.06
Your down payment is the seller’s equity. You take over the $237,609 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $229,610.23 is due at closing. Uses and sources reconcile at $467,219.06 each. Not a Closing Disclosure.