Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$221,438Cash toward the purchase price.
Closing costs + prepaids$11,565Not just lender fees.
Before credits & paid funds$233,003The complete starting cash picture.
Estimated remaining funds due at closing
$233,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,437.99
Your down payment$221,437.99
Closing costs + prepaids$11,565.12
Total buyer cash needed$233,003.11
Remaining funds due$233,003.11
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%)$1,192.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$278.75
Prepaid interest, first (1 days)$25.56
Fees + prepaids$11,565.12
Your down payment is the seller’s equity. You take over the $238,562 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $233,003.11 is due at closing. Uses and sources reconcile at $471,565.12 each. Not a Closing Disclosure.