Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$207,219Cash toward the purchase price.
Closing costs + prepaids$13,265Not just lender fees.
Before credits & paid funds$220,485The complete starting cash picture.
Estimated remaining funds due at closing
$220,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,219.43
Your down payment$207,219.43
Closing costs + prepaids$13,265.14
Total buyer cash needed$220,484.58
Remaining funds due$220,484.58
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,338.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.50
Prepaid interest, first (26 days)$520.74
Fees + prepaids$13,265.14
Your down payment is the seller’s equity. You take over the $267,781 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $220,484.58 is due at closing. Uses and sources reconcile at $488,265.14 each. Not a Closing Disclosure.