Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$209,982Cash toward the purchase price.
Closing costs + prepaids$13,472Not just lender fees.
Before credits & paid funds$223,455The complete starting cash picture.
Estimated remaining funds due at closing
$223,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,982.43
Your down payment$209,982.43
Closing costs + prepaids$13,472.11
Total buyer cash needed$223,454.54
Remaining funds due$223,454.54
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%)$4,799.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,350.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$891.50
Initial HOA (3 months)$366.00
Prepaid interest, first (28 days)$596.55
Fees + prepaids$13,472.11
Your down payment is the seller’s equity. You take over the $270,016 balance, so the rest of the $479,998 price is paid at closing. A second mortgage can cover part of it. $223,454.54 is due at closing. Uses and sources reconcile at $493,470.11 each. Not a Closing Disclosure.