Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$205,417Cash toward the purchase price.
Closing costs + prepaids$12,901Not just lender fees.
Before credits & paid funds$218,318The complete starting cash picture.
Estimated remaining funds due at closing
$218,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,416.78
Your down payment$205,416.78
Closing costs + prepaids$12,901.00
Total buyer cash needed$218,317.78
Remaining funds due$218,317.78
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,322.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$564.00
Initial HOA (3 months)$285.00
Prepaid interest, first (12 days)$562.59
Fees + prepaids$12,901.00
Your down payment is the seller’s equity. You take over the $264,483 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $218,317.78 is due at closing. Uses and sources reconcile at $482,801.00 each. Not a Closing Disclosure.