Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$220,640Cash toward the purchase price.
Closing costs + prepaids$12,046Not just lender fees.
Before credits & paid funds$232,686The complete starting cash picture.
Estimated remaining funds due at closing
$232,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,640.16
Your down payment$220,640.16
Closing costs + prepaids$12,045.81
Total buyer cash needed$232,685.98
Remaining funds due$232,685.98
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,246.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.25
Initial HOA (3 months)$54.99
Prepaid interest, first (1 days)$23.77
Fees + prepaids$12,045.81
Your down payment is the seller’s equity. You take over the $249,360 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $232,685.98 is due at closing. Uses and sources reconcile at $482,045.81 each. Not a Closing Disclosure.