Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$226,230Cash toward the purchase price.
Closing costs + prepaids$13,019Not just lender fees.
Before credits & paid funds$239,249The complete starting cash picture.
Estimated remaining funds due at closing
$239,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,230.26
Your down payment$226,230.26
Closing costs + prepaids$13,018.99
Total buyer cash needed$239,249.25
Remaining funds due$239,249.25
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,118.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,604.50
Initial HOA (3 months)$219.00
Prepaid interest, first (26 days)$358.64
Fees + prepaids$13,018.99
Your down payment is the seller’s equity. You take over the $223,770 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $239,249.25 is due at closing. Uses and sources reconcile at $463,018.99 each. Not a Closing Disclosure.