Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$206,873Cash toward the purchase price.
Closing costs + prepaids$13,043Not just lender fees.
Before credits & paid funds$219,916The complete starting cash picture.
Estimated remaining funds due at closing
$219,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,873.10
Your down payment$206,873.10
Closing costs + prepaids$13,042.68
Total buyer cash needed$219,915.78
Remaining funds due$219,915.78
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,265.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,171.25
Initial HOA (3 months)$35.01
Prepaid interest, first (25 days)$502.79
Fees + prepaids$13,042.68
Your down payment is the seller’s equity. You take over the $253,127 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $219,915.78 is due at closing. Uses and sources reconcile at $473,042.68 each. Not a Closing Disclosure.