Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$224,605Cash toward the purchase price.
Closing costs + prepaids$12,644Not just lender fees.
Before credits & paid funds$237,249The complete starting cash picture.
Estimated remaining funds due at closing
$237,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,605.04
Your down payment$224,605.04
Closing costs + prepaids$12,644.03
Total buyer cash needed$237,249.07
Remaining funds due$237,249.07
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%)$1,201.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,185.75
Prepaid interest, first (5 days)$138.31
Fees + prepaids$12,644.03
Your down payment is the seller’s equity. You take over the $240,395 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $237,249.07 is due at closing. Uses and sources reconcile at $477,644.03 each. Not a Closing Disclosure.