Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$209,943Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$222,491The complete starting cash picture.
Estimated remaining funds due at closing
$222,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,942.66
Your down payment$209,942.66
Closing costs + prepaids$12,548.55
Total buyer cash needed$222,491.21
Remaining funds due$222,491.21
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%)$1,249.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$0.25
Initial HOA (3 months)$450.00
Prepaid interest, first (18 days)$781.51
Fees + prepaids$12,548.55
Your down payment is the seller’s equity. You take over the $249,957 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $222,491.21 is due at closing. Uses and sources reconcile at $472,448.55 each. Not a Closing Disclosure.