Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$204,058Cash toward the purchase price.
Closing costs + prepaids$13,447Not just lender fees.
Before credits & paid funds$217,505The complete starting cash picture.
Estimated remaining funds due at closing
$217,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,058.45
Your down payment$204,058.45
Closing costs + prepaids$13,446.90
Total buyer cash needed$217,505.34
Remaining funds due$217,505.34
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,424.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Initial HOA (3 months)$153.00
Prepaid interest, first (30 days)$953.19
Fees + prepaids$13,446.90
Your down payment is the seller’s equity. You take over the $284,942 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $217,505.34 is due at closing. Uses and sources reconcile at $502,446.90 each. Not a Closing Disclosure.