Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$220,308Cash toward the purchase price.
Closing costs + prepaids$12,211Not just lender fees.
Before credits & paid funds$232,519The complete starting cash picture.
Estimated remaining funds due at closing
$232,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,308.30
Your down payment$220,308.30
Closing costs + prepaids$12,210.61
Total buyer cash needed$232,518.91
Remaining funds due$232,518.91
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,143.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$995.75
Prepaid interest, first (20 days)$363.40
Fees + prepaids$12,210.61
Your down payment is the seller’s equity. You take over the $228,692 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $232,518.91 is due at closing. Uses and sources reconcile at $461,210.61 each. Not a Closing Disclosure.