Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$242,935Cash toward the purchase price.
Closing costs + prepaids$13,504Not just lender fees.
Before credits & paid funds$256,438The complete starting cash picture.
Estimated remaining funds due at closing
$256,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,934.61
Your down payment$242,934.61
Closing costs + prepaids$13,503.73
Total buyer cash needed$256,438.34
Remaining funds due$256,438.34
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,110.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.50
Initial HOA (3 months)$642.00
Prepaid interest, first (18 days)$470.90
Fees + prepaids$13,503.73
Your down payment is the seller’s equity. You take over the $222,065 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $256,438.34 is due at closing. Uses and sources reconcile at $478,503.73 each. Not a Closing Disclosure.