Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$204,748Cash toward the purchase price.
Closing costs + prepaids$13,191Not just lender fees.
Before credits & paid funds$217,940The complete starting cash picture.
Estimated remaining funds due at closing
$217,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,748.26
Your down payment$204,748.26
Closing costs + prepaids$13,191.38
Total buyer cash needed$217,939.65
Remaining funds due$217,939.65
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,401.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$554.25
Initial HOA (3 months)$225.00
Prepaid interest, first (24 days)$692.87
Fees + prepaids$13,191.38
Your down payment is the seller’s equity. You take over the $280,252 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $217,939.65 is due at closing. Uses and sources reconcile at $498,191.38 each. Not a Closing Disclosure.