Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$209,046Cash toward the purchase price.
Closing costs + prepaids$13,006Not just lender fees.
Before credits & paid funds$222,052The complete starting cash picture.
Estimated remaining funds due at closing
$222,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,046.33
Your down payment$209,046.33
Closing costs + prepaids$13,005.88
Total buyer cash needed$222,052.21
Remaining funds due$222,052.21
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,229.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,137.50
Prepaid interest, first (30 days)$620.61
Fees + prepaids$13,005.88
Your down payment is the seller’s equity. You take over the $245,954 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $222,052.21 is due at closing. Uses and sources reconcile at $468,005.88 each. Not a Closing Disclosure.