Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$206,116Cash toward the purchase price.
Closing costs + prepaids$14,805Not just lender fees.
Before credits & paid funds$220,921The complete starting cash picture.
Estimated remaining funds due at closing
$220,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,115.62
Your down payment$206,115.62
Closing costs + prepaids$14,804.95
Total buyer cash needed$220,920.57
Remaining funds due$220,920.57
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%)$1,294.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,733.00
Initial HOA (3 months)$1,098.00
Prepaid interest, first (29 days)$561.53
Fees + prepaids$14,804.95
Your down payment is the seller’s equity. You take over the $258,884 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $220,920.57 is due at closing. Uses and sources reconcile at $479,804.95 each. Not a Closing Disclosure.