Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$197,067Cash toward the purchase price.
Closing costs + prepaids$13,018Not just lender fees.
Before credits & paid funds$210,085The complete starting cash picture.
Estimated remaining funds due at closing
$210,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,066.95
Your down payment$197,066.95
Closing costs + prepaids$13,017.83
Total buyer cash needed$210,084.79
Remaining funds due$210,084.79
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%)$4,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,399.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$555.25
Initial HOA (3 months)$125.01
Prepaid interest, first (26 days)$699.91
Fees + prepaids$13,017.83
Your down payment is the seller’s equity. You take over the $279,933 balance, so the rest of the $477,000 price is paid at closing. A second mortgage can cover part of it. $210,084.79 is due at closing. Uses and sources reconcile at $490,017.83 each. Not a Closing Disclosure.