Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$213,707Cash toward the purchase price.
Closing costs + prepaids$9,569Not just lender fees.
Before credits & paid funds$223,276The complete starting cash picture.
Estimated remaining funds due at closing
$223,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,707.05
Your down payment$213,707.05
Closing costs + prepaids$9,569.19
Total buyer cash needed$223,276.23
Remaining funds due$223,276.23
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%)$2,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$278.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,030.75
Initial HOA (3 months)$187.50
Prepaid interest, first (26 days)$158.97
Fees + prepaids$9,569.19
Your down payment is the seller’s equity. You take over the $55,793 balance, so the rest of the $269,500 price is paid at closing. A second mortgage can cover part of it. $223,276.23 is due at closing. Uses and sources reconcile at $279,069.19 each. Not a Closing Disclosure.