Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$207,749Cash toward the purchase price.
Closing costs + prepaids$15,389Not just lender fees.
Before credits & paid funds$223,138The complete starting cash picture.
Estimated remaining funds due at closing
$223,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,748.85
Your down payment$207,748.85
Closing costs + prepaids$15,388.91
Total buyer cash needed$223,137.76
Remaining funds due$223,137.76
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%)$4,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,311.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,175.00
Initial HOA (3 months)$1,767.00
Prepaid interest, first (28 days)$967.67
Fees + prepaids$15,388.91
Your down payment is the seller’s equity. You take over the $262,250 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $223,137.76 is due at closing. Uses and sources reconcile at $485,387.91 each. Not a Closing Disclosure.