Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$236,210Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$247,914The complete starting cash picture.
Estimated remaining funds due at closing
$247,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,210.10
Your down payment$236,210.10
Closing costs + prepaids$11,703.42
Total buyer cash needed$247,913.52
Remaining funds due$247,913.52
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,068.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$630.75
Prepaid interest, first (18 days)$285.72
Fees + prepaids$11,703.42
Your down payment is the seller’s equity. You take over the $213,790 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $247,913.52 is due at closing. Uses and sources reconcile at $461,703.42 each. Not a Closing Disclosure.