Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$222,497Cash toward the purchase price.
Closing costs + prepaids$12,380Not just lender fees.
Before credits & paid funds$234,877The complete starting cash picture.
Estimated remaining funds due at closing
$234,877No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,497.30
Your down payment$222,497.30
Closing costs + prepaids$12,379.92
Total buyer cash needed$234,877.22
Remaining funds due$234,877.22
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%)$1,137.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$124.50
Initial HOA (3 months)$225.00
Prepaid interest, first (29 days)$1,174.91
Fees + prepaids$12,379.92
Your down payment is the seller’s equity. You take over the $227,503 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $234,877.22 is due at closing. Uses and sources reconcile at $462,379.92 each. Not a Closing Disclosure.