Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$207,485Cash toward the purchase price.
Closing costs + prepaids$13,457Not just lender fees.
Before credits & paid funds$220,942The complete starting cash picture.
Estimated remaining funds due at closing
$220,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,484.93
Your down payment$207,484.93
Closing costs + prepaids$13,457.44
Total buyer cash needed$220,942.38
Remaining funds due$220,942.38
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,337.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,233.00
Prepaid interest, first (30 days)$670.37
Fees + prepaids$13,457.44
Your down payment is the seller’s equity. You take over the $267,415 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $220,942.38 is due at closing. Uses and sources reconcile at $488,357.44 each. Not a Closing Disclosure.