Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$212,694Cash toward the purchase price.
Closing costs + prepaids$12,575Not just lender fees.
Before credits & paid funds$225,269The complete starting cash picture.
Estimated remaining funds due at closing
$225,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,693.83
Your down payment$212,693.83
Closing costs + prepaids$12,575.23
Total buyer cash needed$225,269.06
Remaining funds due$225,269.06
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,336.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$120.00
Prepaid interest, first (13 days)$252.20
Fees + prepaids$12,575.23
Your down payment is the seller’s equity. You take over the $267,206 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $225,269.06 is due at closing. Uses and sources reconcile at $492,475.23 each. Not a Closing Disclosure.