Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$231,142Cash toward the purchase price.
Closing costs + prepaids$11,645Not just lender fees.
Before credits & paid funds$242,788The complete starting cash picture.
Estimated remaining funds due at closing
$242,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,142.46
Your down payment$231,142.46
Closing costs + prepaids$11,645.42
Total buyer cash needed$242,787.88
Remaining funds due$242,787.88
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,093.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$476.50
Initial HOA (3 months)$297.00
Prepaid interest, first (2 days)$61.13
Fees + prepaids$11,645.42
Your down payment is the seller’s equity. You take over the $218,758 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $242,787.88 is due at closing. Uses and sources reconcile at $461,545.42 each. Not a Closing Disclosure.