Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$197,720Cash toward the purchase price.
Closing costs + prepaids$13,776Not just lender fees.
Before credits & paid funds$211,496The complete starting cash picture.
Estimated remaining funds due at closing
$211,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,719.74
Your down payment$197,719.74
Closing costs + prepaids$13,776.31
Total buyer cash needed$211,496.05
Remaining funds due$211,496.05
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%)$4,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,485.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.00
Initial HOA (3 months)$999.00
Prepaid interest, first (12 days)$280.41
Fees + prepaids$13,776.31
Your down payment is the seller’s equity. You take over the $297,180 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $211,496.05 is due at closing. Uses and sources reconcile at $508,676.31 each. Not a Closing Disclosure.