Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$214,278Cash toward the purchase price.
Closing costs + prepaids$12,784Not just lender fees.
Before credits & paid funds$227,062The complete starting cash picture.
Estimated remaining funds due at closing
$227,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,278.48
Your down payment$214,278.48
Closing costs + prepaids$12,783.86
Total buyer cash needed$227,062.34
Remaining funds due$227,062.34
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%)$4,689.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,273.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$964.50
Prepaid interest, first (18 days)$389.26
Fees + prepaids$12,783.86
Your down payment is the seller’s equity. You take over the $254,622 balance, so the rest of the $468,900 price is paid at closing. A second mortgage can cover part of it. $227,062.34 is due at closing. Uses and sources reconcile at $481,683.86 each. Not a Closing Disclosure.