Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$219,806Cash toward the purchase price.
Closing costs + prepaids$11,975Not just lender fees.
Before credits & paid funds$231,781The complete starting cash picture.
Estimated remaining funds due at closing
$231,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,805.61
Your down payment$219,805.61
Closing costs + prepaids$11,975.23
Total buyer cash needed$231,780.84
Remaining funds due$231,780.84
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,200.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$533.75
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$24.01
Fees + prepaids$11,975.23
Your down payment is the seller’s equity. You take over the $240,094 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $231,780.84 is due at closing. Uses and sources reconcile at $471,875.23 each. Not a Closing Disclosure.