Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$217,328Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$230,119The complete starting cash picture.
Estimated remaining funds due at closing
$230,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,328.31
Your down payment$217,328.31
Closing costs + prepaids$12,790.79
Total buyer cash needed$230,119.10
Remaining funds due$230,119.10
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,238.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.00
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$679.43
Fees + prepaids$12,790.79
Your down payment is the seller’s equity. You take over the $247,672 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $230,119.10 is due at closing. Uses and sources reconcile at $477,790.79 each. Not a Closing Disclosure.