Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$215,116Cash toward the purchase price.
Closing costs + prepaids$12,504Not just lender fees.
Before credits & paid funds$227,620The complete starting cash picture.
Estimated remaining funds due at closing
$227,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,116.35
Your down payment$215,116.35
Closing costs + prepaids$12,503.86
Total buyer cash needed$227,620.20
Remaining funds due$227,620.20
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,148.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$469.00
Initial HOA (3 months)$68.76
Prepaid interest, first (30 days)$1,150.18
Fees + prepaids$12,503.86
Your down payment is the seller’s equity. You take over the $229,784 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $227,620.20 is due at closing. Uses and sources reconcile at $457,403.86 each. Not a Closing Disclosure.