Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$234,299Cash toward the purchase price.
Closing costs + prepaids$11,589Not just lender fees.
Before credits & paid funds$245,888The complete starting cash picture.
Estimated remaining funds due at closing
$245,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,299.09
Your down payment$234,299.09
Closing costs + prepaids$11,589.38
Total buyer cash needed$245,888.47
Remaining funds due$245,888.47
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%)$1,123.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$375.00
Prepaid interest, first (2 days)$32.87
Fees + prepaids$11,589.38
Your down payment is the seller’s equity. You take over the $224,701 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $245,888.47 is due at closing. Uses and sources reconcile at $470,589.38 each. Not a Closing Disclosure.