Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$200,223Cash toward the purchase price.
Closing costs + prepaids$13,693Not just lender fees.
Before credits & paid funds$213,916The complete starting cash picture.
Estimated remaining funds due at closing
$213,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,222.84
Your down payment$200,222.84
Closing costs + prepaids$13,693.23
Total buyer cash needed$213,916.07
Remaining funds due$213,916.07
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,343.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$706.50
Initial HOA (3 months)$990.00
Prepaid interest, first (24 days)$494.84
Fees + prepaids$13,693.23
Your down payment is the seller’s equity. You take over the $268,777 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $213,916.07 is due at closing. Uses and sources reconcile at $482,693.23 each. Not a Closing Disclosure.