Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$204,665Cash toward the purchase price.
Closing costs + prepaids$13,594Not just lender fees.
Before credits & paid funds$218,259The complete starting cash picture.
Estimated remaining funds due at closing
$218,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,664.81
Your down payment$204,664.81
Closing costs + prepaids$13,594.13
Total buyer cash needed$218,258.93
Remaining funds due$218,258.93
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,401.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,118.25
Initial HOA (3 months)$141.00
Prepaid interest, first (30 days)$615.20
Fees + prepaids$13,594.13
Your down payment is the seller’s equity. You take over the $280,335 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $218,258.93 is due at closing. Uses and sources reconcile at $498,594.13 each. Not a Closing Disclosure.