Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$220,356Cash toward the purchase price.
Closing costs + prepaids$12,691Not just lender fees.
Before credits & paid funds$233,047The complete starting cash picture.
Estimated remaining funds due at closing
$233,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,356.20
Your down payment$220,356.20
Closing costs + prepaids$12,691.05
Total buyer cash needed$233,047.26
Remaining funds due$233,047.26
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%)$1,197.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.75
Initial HOA (3 months)$150.00
Prepaid interest, first (31 days)$742.59
Fees + prepaids$12,691.05
Your down payment is the seller’s equity. You take over the $239,544 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $233,047.26 is due at closing. Uses and sources reconcile at $472,591.05 each. Not a Closing Disclosure.