Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$207,940Cash toward the purchase price.
Closing costs + prepaids$12,510Not just lender fees.
Before credits & paid funds$220,450The complete starting cash picture.
Estimated remaining funds due at closing
$220,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,940.32
Your down payment$207,940.32
Closing costs + prepaids$12,509.86
Total buyer cash needed$220,450.17
Remaining funds due$220,450.17
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,285.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$581.25
Initial HOA (3 months)$105.00
Prepaid interest, first (16 days)$420.31
Fees + prepaids$12,509.86
Your down payment is the seller’s equity. You take over the $257,060 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $220,450.17 is due at closing. Uses and sources reconcile at $477,509.86 each. Not a Closing Disclosure.