Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$216,391Cash toward the purchase price.
Closing costs + prepaids$12,880Not just lender fees.
Before credits & paid funds$229,271The complete starting cash picture.
Estimated remaining funds due at closing
$229,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,391.03
Your down payment$216,391.03
Closing costs + prepaids$12,880.08
Total buyer cash needed$229,271.11
Remaining funds due$229,271.11
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%)$4,830.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,333.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$579.50
Initial HOA (3 months)$494.01
Prepaid interest, first (9 days)$175.52
Fees + prepaids$12,880.08
Your down payment is the seller’s equity. You take over the $266,609 balance, so the rest of the $483,000 price is paid at closing. A second mortgage can cover part of it. $229,271.11 is due at closing. Uses and sources reconcile at $495,880.08 each. Not a Closing Disclosure.