Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$227,402Cash toward the purchase price.
Closing costs + prepaids$12,428Not just lender fees.
Before credits & paid funds$239,830The complete starting cash picture.
Estimated remaining funds due at closing
$239,830No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,401.63
Your down payment$227,401.63
Closing costs + prepaids$12,427.90
Total buyer cash needed$239,829.53
Remaining funds due$239,829.53
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%)$4,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,187.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$663.25
Prepaid interest, first (26 days)$460.16
Fees + prepaids$12,427.90
Your down payment is the seller’s equity. You take over the $237,498 balance, so the rest of the $464,900 price is paid at closing. A second mortgage can cover part of it. $239,829.53 is due at closing. Uses and sources reconcile at $477,327.90 each. Not a Closing Disclosure.