Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$223,874Cash toward the purchase price.
Closing costs + prepaids$12,519Not just lender fees.
Before credits & paid funds$236,394The complete starting cash picture.
Estimated remaining funds due at closing
$236,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,874.32
Your down payment$223,874.32
Closing costs + prepaids$12,519.22
Total buyer cash needed$236,393.53
Remaining funds due$236,393.53
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%)$1,205.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$475.25
Prepaid interest, first (29 days)$720.34
Fees + prepaids$12,519.22
Your down payment is the seller’s equity. You take over the $241,126 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $236,393.53 is due at closing. Uses and sources reconcile at $477,519.22 each. Not a Closing Disclosure.