Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$215,910Cash toward the purchase price.
Closing costs + prepaids$12,869Not just lender fees.
Before credits & paid funds$228,779The complete starting cash picture.
Estimated remaining funds due at closing
$228,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,910.25
Your down payment$215,910.25
Closing costs + prepaids$12,869.13
Total buyer cash needed$228,779.38
Remaining funds due$228,779.38
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%)$4,479.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,159.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$778.50
Prepaid interest, first (30 days)$1,233.68
Fees + prepaids$12,869.13
Your down payment is the seller’s equity. You take over the $231,990 balance, so the rest of the $447,900 price is paid at closing. A second mortgage can cover part of it. $228,779.38 is due at closing. Uses and sources reconcile at $460,769.13 each. Not a Closing Disclosure.