Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$216,629Cash toward the purchase price.
Closing costs + prepaids$12,225Not just lender fees.
Before credits & paid funds$228,853The complete starting cash picture.
Estimated remaining funds due at closing
$228,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,628.52
Your down payment$216,628.52
Closing costs + prepaids$12,224.51
Total buyer cash needed$228,853.03
Remaining funds due$228,853.03
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,216.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.25
Initial HOA (3 months)$870.00
Prepaid interest, first (2 days)$36.41
Fees + prepaids$12,224.51
Your down payment is the seller’s equity. You take over the $243,371 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $228,853.03 is due at closing. Uses and sources reconcile at $472,224.51 each. Not a Closing Disclosure.