Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$221,112Cash toward the purchase price.
Closing costs + prepaids$12,559Not just lender fees.
Before credits & paid funds$233,671The complete starting cash picture.
Estimated remaining funds due at closing
$233,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,112.16
Your down payment$221,112.16
Closing costs + prepaids$12,558.84
Total buyer cash needed$233,670.99
Remaining funds due$233,670.99
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%)$4,749.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,269.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Initial HOA (3 months)$315.00
Prepaid interest, first (9 days)$186.55
Fees + prepaids$12,558.84
Your down payment is the seller’s equity. You take over the $253,878 balance, so the rest of the $474,990 price is paid at closing. A second mortgage can cover part of it. $233,670.99 is due at closing. Uses and sources reconcile at $487,548.84 each. Not a Closing Disclosure.