Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$219,865Cash toward the purchase price.
Closing costs + prepaids$12,448Not just lender fees.
Before credits & paid funds$232,314The complete starting cash picture.
Estimated remaining funds due at closing
$232,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,865.35
Your down payment$219,865.35
Closing costs + prepaids$12,448.37
Total buyer cash needed$232,313.72
Remaining funds due$232,313.72
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%)$4,495.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,148.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$749.00
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$611.77
Fees + prepaids$12,448.37
Your down payment is the seller’s equity. You take over the $229,730 balance, so the rest of the $449,595 price is paid at closing. A second mortgage can cover part of it. $232,313.72 is due at closing. Uses and sources reconcile at $462,043.37 each. Not a Closing Disclosure.