Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$231,446Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$243,244The complete starting cash picture.
Estimated remaining funds due at closing
$243,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,446.46
Your down payment$231,446.46
Closing costs + prepaids$11,797.44
Total buyer cash needed$243,243.90
Remaining funds due$243,243.90
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,087.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$538.75
Initial HOA (3 months)$240.00
Prepaid interest, first (10 days)$222.92
Fees + prepaids$11,797.44
Your down payment is the seller’s equity. You take over the $217,554 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $243,243.90 is due at closing. Uses and sources reconcile at $460,797.44 each. Not a Closing Disclosure.