Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$220,545Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$233,331The complete starting cash picture.
Estimated remaining funds due at closing
$233,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,544.87
Your down payment$220,544.87
Closing costs + prepaids$12,785.81
Total buyer cash needed$233,330.68
Remaining funds due$233,330.68
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%)$4,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,376.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$19.50
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$692.54
Fees + prepaids$12,785.81
Your down payment is the seller’s equity. You take over the $275,355 balance, so the rest of the $495,900 price is paid at closing. A second mortgage can cover part of it. $233,330.68 is due at closing. Uses and sources reconcile at $508,685.81 each. Not a Closing Disclosure.