Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$238,338Cash toward the purchase price.
Closing costs + prepaids$11,884Not just lender fees.
Before credits & paid funds$250,222The complete starting cash picture.
Estimated remaining funds due at closing
$250,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,337.79
Your down payment$238,337.79
Closing costs + prepaids$11,884.48
Total buyer cash needed$250,222.27
Remaining funds due$250,222.27
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,108.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$401.00
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$22.17
Fees + prepaids$11,884.48
Your down payment is the seller’s equity. You take over the $221,662 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $250,222.27 is due at closing. Uses and sources reconcile at $471,884.48 each. Not a Closing Disclosure.