Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$207,976Cash toward the purchase price.
Closing costs + prepaids$12,242Not just lender fees.
Before credits & paid funds$220,218The complete starting cash picture.
Estimated remaining funds due at closing
$220,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,976.39
Your down payment$207,976.39
Closing costs + prepaids$12,241.87
Total buyer cash needed$220,218.25
Remaining funds due$220,218.25
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,335.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$522.25
Initial HOA (3 months)$144.99
Prepaid interest, first (1 days)$21.51
Fees + prepaids$12,241.87
Your down payment is the seller’s equity. You take over the $267,024 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $220,218.25 is due at closing. Uses and sources reconcile at $487,241.87 each. Not a Closing Disclosure.