Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$201,067Cash toward the purchase price.
Closing costs + prepaids$14,280Not just lender fees.
Before credits & paid funds$215,348The complete starting cash picture.
Estimated remaining funds due at closing
$215,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,067.19
Your down payment$201,067.19
Closing costs + prepaids$14,280.44
Total buyer cash needed$215,347.63
Remaining funds due$215,347.63
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%)$4,659.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,324.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,100.00
Initial HOA (3 months)$1,032.00
Prepaid interest, first (31 days)$697.27
Fees + prepaids$14,280.44
Your down payment is the seller’s equity. You take over the $264,833 balance, so the rest of the $465,900 price is paid at closing. A second mortgage can cover part of it. $215,347.63 is due at closing. Uses and sources reconcile at $480,180.44 each. Not a Closing Disclosure.