Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$230,958Cash toward the purchase price.
Closing costs + prepaids$11,803Not just lender fees.
Before credits & paid funds$242,761The complete starting cash picture.
Estimated remaining funds due at closing
$242,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,957.58
Your down payment$230,957.58
Closing costs + prepaids$11,803.05
Total buyer cash needed$242,760.64
Remaining funds due$242,760.64
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%)$1,090.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$742.50
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$22.34
Fees + prepaids$11,803.05
Your down payment is the seller’s equity. You take over the $218,042 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $242,760.64 is due at closing. Uses and sources reconcile at $460,803.05 each. Not a Closing Disclosure.