Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$229,087Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$241,137The complete starting cash picture.
Estimated remaining funds due at closing
$241,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,087.37
Your down payment$229,087.37
Closing costs + prepaids$12,049.82
Total buyer cash needed$241,137.18
Remaining funds due$241,137.18
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%)$1,099.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$767.00
Prepaid interest, first (29 days)$475.25
Fees + prepaids$12,049.82
Your down payment is the seller’s equity. You take over the $219,913 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $241,137.18 is due at closing. Uses and sources reconcile at $461,049.82 each. Not a Closing Disclosure.