Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$219,520Cash toward the purchase price.
Closing costs + prepaids$12,302Not just lender fees.
Before credits & paid funds$231,822The complete starting cash picture.
Estimated remaining funds due at closing
$231,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,520.02
Your down payment$219,520.02
Closing costs + prepaids$12,302.14
Total buyer cash needed$231,822.16
Remaining funds due$231,822.16
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,247.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$339.75
Prepaid interest, first (29 days)$556.99
Fees + prepaids$12,302.14
Your down payment is the seller’s equity. You take over the $249,480 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $231,822.16 is due at closing. Uses and sources reconcile at $481,302.14 each. Not a Closing Disclosure.