Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$213,710Cash toward the purchase price.
Closing costs + prepaids$13,681Not just lender fees.
Before credits & paid funds$227,391The complete starting cash picture.
Estimated remaining funds due at closing
$227,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,709.77
Your down payment$213,709.77
Closing costs + prepaids$13,681.08
Total buyer cash needed$227,390.85
Remaining funds due$227,390.85
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,330.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$446.75
Initial HOA (3 months)$1,215.00
Prepaid interest, first (18 days)$421.38
Fees + prepaids$13,681.08
Your down payment is the seller’s equity. You take over the $266,190 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $227,390.85 is due at closing. Uses and sources reconcile at $493,581.08 each. Not a Closing Disclosure.