Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$199,062Cash toward the purchase price.
Closing costs + prepaids$12,738Not just lender fees.
Before credits & paid funds$211,800The complete starting cash picture.
Estimated remaining funds due at closing
$211,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,062.24
Your down payment$199,062.24
Closing costs + prepaids$12,737.79
Total buyer cash needed$211,800.03
Remaining funds due$211,800.03
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,329.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$781.25
Prepaid interest, first (24 days)$508.85
Fees + prepaids$12,737.79
Your down payment is the seller’s equity. You take over the $265,938 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $211,800.03 is due at closing. Uses and sources reconcile at $477,737.79 each. Not a Closing Disclosure.