Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$215,456Cash toward the purchase price.
Closing costs + prepaids$13,970Not just lender fees.
Before credits & paid funds$229,425The complete starting cash picture.
Estimated remaining funds due at closing
$229,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,455.66
Your down payment$215,455.66
Closing costs + prepaids$13,969.82
Total buyer cash needed$229,425.48
Remaining funds due$229,425.48
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,317.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,197.50
Initial HOA (3 months)$582.00
Prepaid interest, first (28 days)$614.60
Fees + prepaids$13,969.82
Your down payment is the seller’s equity. You take over the $263,544 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $229,425.48 is due at closing. Uses and sources reconcile at $492,969.82 each. Not a Closing Disclosure.