Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$210,127Cash toward the purchase price.
Closing costs + prepaids$13,274Not just lender fees.
Before credits & paid funds$223,401The complete starting cash picture.
Estimated remaining funds due at closing
$223,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,127.15
Your down payment$210,127.15
Closing costs + prepaids$13,273.60
Total buyer cash needed$223,400.75
Remaining funds due$223,400.75
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,398.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$429.75
Initial HOA (3 months)$339.00
Prepaid interest, first (31 days)$738.98
Fees + prepaids$13,273.60
Your down payment is the seller’s equity. You take over the $279,773 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $223,400.75 is due at closing. Uses and sources reconcile at $503,173.60 each. Not a Closing Disclosure.