Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$211,401Cash toward the purchase price.
Closing costs + prepaids$12,293Not just lender fees.
Before credits & paid funds$223,694The complete starting cash picture.
Estimated remaining funds due at closing
$223,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,401.24
Your down payment$211,401.24
Closing costs + prepaids$12,292.94
Total buyer cash needed$223,694.18
Remaining funds due$223,694.18
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%)$4,660.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,272.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$559.25
Initial HOA (3 months)$144.99
Prepaid interest, first (9 days)$187.71
Fees + prepaids$12,292.94
Your down payment is the seller’s equity. You take over the $254,599 balance, so the rest of the $466,000 price is paid at closing. A second mortgage can cover part of it. $223,694.18 is due at closing. Uses and sources reconcile at $478,292.94 each. Not a Closing Disclosure.