Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$215,123Cash toward the purchase price.
Closing costs + prepaids$9,813Not just lender fees.
Before credits & paid funds$224,936The complete starting cash picture.
Estimated remaining funds due at closing
$224,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,122.91
Your down payment$215,122.91
Closing costs + prepaids$9,813.16
Total buyer cash needed$224,936.06
Remaining funds due$224,936.06
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$249.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$509.50
Initial HOA (3 months)$1,035.00
Prepaid interest, first (18 days)$151.27
Fees + prepaids$9,813.16
Your down payment is the seller’s equity. You take over the $49,877 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $224,936.06 is due at closing. Uses and sources reconcile at $274,813.16 each. Not a Closing Disclosure.