Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$207,429Cash toward the purchase price.
Closing costs + prepaids$12,324Not just lender fees.
Before credits & paid funds$219,753The complete starting cash picture.
Estimated remaining funds due at closing
$219,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,428.75
Your down payment$207,428.75
Closing costs + prepaids$12,323.79
Total buyer cash needed$219,752.54
Remaining funds due$219,752.54
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,337.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$430.50
Initial HOA (3 months)$312.00
Prepaid interest, first (1 days)$25.44
Fees + prepaids$12,323.79
Your down payment is the seller’s equity. You take over the $267,571 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $219,752.54 is due at closing. Uses and sources reconcile at $487,323.79 each. Not a Closing Disclosure.