Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$236,208Cash toward the purchase price.
Closing costs + prepaids$13,399Not just lender fees.
Before credits & paid funds$249,607The complete starting cash picture.
Estimated remaining funds due at closing
$249,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,208.11
Your down payment$236,208.11
Closing costs + prepaids$13,399.32
Total buyer cash needed$249,607.43
Remaining funds due$249,607.43
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,118.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,149.75
Initial HOA (3 months)$606.00
Prepaid interest, first (25 days)$458.11
Fees + prepaids$13,399.32
Your down payment is the seller’s equity. You take over the $223,692 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $249,607.43 is due at closing. Uses and sources reconcile at $473,299.32 each. Not a Closing Disclosure.