Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$197,153Cash toward the purchase price.
Closing costs + prepaids$13,602Not just lender fees.
Before credits & paid funds$210,755The complete starting cash picture.
Estimated remaining funds due at closing
$210,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,153.25
Your down payment$197,153.25
Closing costs + prepaids$13,601.66
Total buyer cash needed$210,754.91
Remaining funds due$210,754.91
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%)$1,359.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$977.75
Initial HOA (3 months)$489.99
Prepaid interest, first (23 days)$616.68
Fees + prepaids$13,601.66
Your down payment is the seller’s equity. You take over the $271,847 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $210,754.91 is due at closing. Uses and sources reconcile at $482,601.66 each. Not a Closing Disclosure.