Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$201,053Cash toward the purchase price.
Closing costs + prepaids$13,453Not just lender fees.
Before credits & paid funds$214,506The complete starting cash picture.
Estimated remaining funds due at closing
$214,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,053.21
Your down payment$201,053.21
Closing costs + prepaids$13,453.08
Total buyer cash needed$214,506.29
Remaining funds due$214,506.29
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%)$4,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,314.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,212.00
Initial HOA (3 months)$212.49
Prepaid interest, first (29 days)$605.86
Fees + prepaids$13,453.08
Your down payment is the seller’s equity. You take over the $262,947 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $214,506.29 is due at closing. Uses and sources reconcile at $477,453.08 each. Not a Closing Disclosure.