Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$226,709Cash toward the purchase price.
Closing costs + prepaids$11,945Not just lender fees.
Before credits & paid funds$238,654The complete starting cash picture.
Estimated remaining funds due at closing
$238,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,708.59
Your down payment$226,708.59
Closing costs + prepaids$11,945.01
Total buyer cash needed$238,653.60
Remaining funds due$238,653.60
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,215.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$355.00
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$27.05
Fees + prepaids$11,945.01
Your down payment is the seller’s equity. You take over the $243,191 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $238,653.60 is due at closing. Uses and sources reconcile at $481,845.01 each. Not a Closing Disclosure.