Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$227,252Cash toward the purchase price.
Closing costs + prepaids$12,482Not just lender fees.
Before credits & paid funds$239,734The complete starting cash picture.
Estimated remaining funds due at closing
$239,734No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,251.86
Your down payment$227,251.86
Closing costs + prepaids$12,482.04
Total buyer cash needed$239,733.90
Remaining funds due$239,733.90
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,213.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$355.00
Initial HOA (3 months)$180.00
Prepaid interest, first (21 days)$566.80
Fees + prepaids$12,482.04
Your down payment is the seller’s equity. You take over the $242,648 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $239,733.90 is due at closing. Uses and sources reconcile at $482,382.04 each. Not a Closing Disclosure.