Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$205,010Cash toward the purchase price.
Closing costs + prepaids$12,590Not just lender fees.
Before credits & paid funds$217,600The complete starting cash picture.
Estimated remaining funds due at closing
$217,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,009.59
Your down payment$205,009.59
Closing costs + prepaids$12,589.98
Total buyer cash needed$217,599.57
Remaining funds due$217,599.57
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,319.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.75
Initial HOA (3 months)$285.00
Prepaid interest, first (6 days)$264.28
Fees + prepaids$12,589.98
Your down payment is the seller’s equity. You take over the $263,990 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $217,599.57 is due at closing. Uses and sources reconcile at $481,589.98 each. Not a Closing Disclosure.