Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$234,846Cash toward the purchase price.
Closing costs + prepaids$11,931Not just lender fees.
Before credits & paid funds$246,777The complete starting cash picture.
Estimated remaining funds due at closing
$246,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,846.34
Your down payment$234,846.34
Closing costs + prepaids$11,930.90
Total buyer cash needed$246,777.24
Remaining funds due$246,777.24
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$375.00
Prepaid interest, first (23 days)$377.13
Fees + prepaids$11,930.90
Your down payment is the seller’s equity. You take over the $224,154 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $246,777.24 is due at closing. Uses and sources reconcile at $470,930.90 each. Not a Closing Disclosure.