Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$209,982Cash toward the purchase price.
Closing costs + prepaids$12,816Not just lender fees.
Before credits & paid funds$222,798The complete starting cash picture.
Estimated remaining funds due at closing
$222,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,982.43
Your down payment$209,982.43
Closing costs + prepaids$12,815.72
Total buyer cash needed$222,798.15
Remaining funds due$222,798.15
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%)$4,799.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,350.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$576.00
Initial HOA (3 months)$366.00
Prepaid interest, first (12 days)$255.66
Fees + prepaids$12,815.72
Your down payment is the seller’s equity. You take over the $270,016 balance, so the rest of the $479,998 price is paid at closing. A second mortgage can cover part of it. $222,798.15 is due at closing. Uses and sources reconcile at $492,813.72 each. Not a Closing Disclosure.