Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$201,902Cash toward the purchase price.
Closing costs + prepaids$13,673Not just lender fees.
Before credits & paid funds$215,575The complete starting cash picture.
Estimated remaining funds due at closing
$215,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,901.98
Your down payment$201,901.98
Closing costs + prepaids$13,672.86
Total buyer cash needed$215,574.84
Remaining funds due$215,574.84
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%)$4,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,305.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,475.25
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$569.12
Fees + prepaids$13,672.86
Your down payment is the seller’s equity. You take over the $261,098 balance, so the rest of the $463,000 price is paid at closing. A second mortgage can cover part of it. $215,574.84 is due at closing. Uses and sources reconcile at $476,672.86 each. Not a Closing Disclosure.