Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$204,352Cash toward the purchase price.
Closing costs + prepaids$13,233Not just lender fees.
Before credits & paid funds$217,585The complete starting cash picture.
Estimated remaining funds due at closing
$217,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,352.24
Your down payment$204,352.24
Closing costs + prepaids$13,233.09
Total buyer cash needed$217,585.34
Remaining funds due$217,585.34
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%)$4,977.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,466.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.25
Initial HOA (3 months)$510.00
Prepaid interest, first (9 days)$214.10
Fees + prepaids$13,233.09
Your down payment is the seller’s equity. You take over the $293,348 balance, so the rest of the $497,700 price is paid at closing. A second mortgage can cover part of it. $217,585.34 is due at closing. Uses and sources reconcile at $510,933.09 each. Not a Closing Disclosure.