Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$200,753Cash toward the purchase price.
Closing costs + prepaids$13,220Not just lender fees.
Before credits & paid funds$213,973The complete starting cash picture.
Estimated remaining funds due at closing
$213,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,753.21
Your down payment$200,753.21
Closing costs + prepaids$13,220.27
Total buyer cash needed$213,973.48
Remaining funds due$213,973.48
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%)$4,637.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,314.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,212.00
Initial HOA (3 months)$212.49
Prepaid interest, first (18 days)$376.05
Fees + prepaids$13,220.27
Your down payment is the seller’s equity. You take over the $262,947 balance, so the rest of the $463,700 price is paid at closing. A second mortgage can cover part of it. $213,973.48 is due at closing. Uses and sources reconcile at $476,920.27 each. Not a Closing Disclosure.