Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$207,098Cash toward the purchase price.
Closing costs + prepaids$13,056Not just lender fees.
Before credits & paid funds$220,154The complete starting cash picture.
Estimated remaining funds due at closing
$220,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,098.06
Your down payment$207,098.06
Closing costs + prepaids$13,055.86
Total buyer cash needed$220,153.91
Remaining funds due$220,153.91
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%)$4,895.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,412.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,223.75
Prepaid interest, first (2 days)$57.10
Fees + prepaids$13,055.86
Your down payment is the seller’s equity. You take over the $282,402 balance, so the rest of the $489,500 price is paid at closing. A second mortgage can cover part of it. $220,153.91 is due at closing. Uses and sources reconcile at $502,555.86 each. Not a Closing Disclosure.