Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$238,641Cash toward the purchase price.
Closing costs + prepaids$11,922Not just lender fees.
Before credits & paid funds$250,563The complete starting cash picture.
Estimated remaining funds due at closing
$250,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,641.14
Your down payment$238,641.14
Closing costs + prepaids$11,922.20
Total buyer cash needed$250,563.34
Remaining funds due$250,563.34
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,051.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$520.00
Initial HOA (3 months)$141.00
Prepaid interest, first (30 days)$501.40
Fees + prepaids$11,922.20
Your down payment is the seller’s equity. You take over the $210,359 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $250,563.34 is due at closing. Uses and sources reconcile at $460,922.20 each. Not a Closing Disclosure.