Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$216,576Cash toward the purchase price.
Closing costs + prepaids$12,742Not just lender fees.
Before credits & paid funds$229,318The complete starting cash picture.
Estimated remaining funds due at closing
$229,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,575.75
Your down payment$216,575.75
Closing costs + prepaids$12,742.46
Total buyer cash needed$229,318.20
Remaining funds due$229,318.20
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%)$1,242.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$249.99
Prepaid interest, first (22 days)$512.09
Fees + prepaids$12,742.46
Your down payment is the seller’s equity. You take over the $248,424 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $229,318.20 is due at closing. Uses and sources reconcile at $477,742.46 each. Not a Closing Disclosure.