Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$212,343Cash toward the purchase price.
Closing costs + prepaids$12,288Not just lender fees.
Before credits & paid funds$224,630The complete starting cash picture.
Estimated remaining funds due at closing
$224,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,342.54
Your down payment$212,342.54
Closing costs + prepaids$12,287.74
Total buyer cash needed$224,630.28
Remaining funds due$224,630.28
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%)$4,475.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,175.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$597.75
Initial HOA (3 months)$108.00
Prepaid interest, first (30 days)$713.20
Fees + prepaids$12,287.74
Your down payment is the seller’s equity. You take over the $235,157 balance, so the rest of the $447,500 price is paid at closing. A second mortgage can cover part of it. $224,630.28 is due at closing. Uses and sources reconcile at $459,787.74 each. Not a Closing Disclosure.