Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$205,010Cash toward the purchase price.
Closing costs + prepaids$13,680Not just lender fees.
Before credits & paid funds$218,690The complete starting cash picture.
Estimated remaining funds due at closing
$218,690No 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$13,679.96
Total buyer cash needed$218,689.55
Remaining funds due$218,689.55
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)$727.75
Initial HOA (3 months)$285.00
Prepaid interest, first (27 days)$1,189.26
Fees + prepaids$13,679.96
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. $218,689.55 is due at closing. Uses and sources reconcile at $482,679.96 each. Not a Closing Disclosure.