Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$216,944Cash toward the purchase price.
Closing costs + prepaids$11,632Not just lender fees.
Before credits & paid funds$228,576The complete starting cash picture.
Estimated remaining funds due at closing
$228,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,943.78
Your down payment$216,943.78
Closing costs + prepaids$11,632.46
Total buyer cash needed$228,576.24
Remaining funds due$228,576.24
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%)$1,165.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (12 days)$209.18
Fees + prepaids$11,632.46
Your down payment is the seller’s equity. You take over the $233,056 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $228,576.24 is due at closing. Uses and sources reconcile at $461,632.46 each. Not a Closing Disclosure.