Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$208,840Cash toward the purchase price.
Closing costs + prepaids$12,414Not just lender fees.
Before credits & paid funds$221,254The complete starting cash picture.
Estimated remaining funds due at closing
$221,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,840.06
Your down payment$208,840.06
Closing costs + prepaids$12,414.20
Total buyer cash needed$221,254.26
Remaining funds due$221,254.26
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%)$1,355.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$404.25
Prepaid interest, first (18 days)$387.65
Fees + prepaids$12,414.20
Your down payment is the seller’s equity. You take over the $271,060 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $221,254.26 is due at closing. Uses and sources reconcile at $492,314.20 each. Not a Closing Disclosure.