Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$227,787Cash toward the purchase price.
Closing costs + prepaids$11,320Not just lender fees.
Before credits & paid funds$239,107The complete starting cash picture.
Estimated remaining funds due at closing
$239,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,787.41
Your down payment$227,787.41
Closing costs + prepaids$11,319.72
Total buyer cash needed$239,107.13
Remaining funds due$239,107.13
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,156.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$66.00
Prepaid interest, first (2 days)$39.65
Fees + prepaids$11,319.72
Your down payment is the seller’s equity. You take over the $231,213 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $239,107.13 is due at closing. Uses and sources reconcile at $470,319.72 each. Not a Closing Disclosure.