Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$197,783Cash toward the purchase price.
Closing costs + prepaids$13,788Not just lender fees.
Before credits & paid funds$211,571The complete starting cash picture.
Estimated remaining funds due at closing
$211,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,783.10
Your down payment$197,783.10
Closing costs + prepaids$13,788.38
Total buyer cash needed$211,571.48
Remaining funds due$211,571.48
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%)$1,410.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$665.75
Initial HOA (3 months)$440.25
Prepaid interest, first (26 days)$1,004.80
Fees + prepaids$13,788.38
Your down payment is the seller’s equity. You take over the $282,117 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $211,571.48 is due at closing. Uses and sources reconcile at $493,688.38 each. Not a Closing Disclosure.