Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$207,462Cash toward the purchase price.
Closing costs + prepaids$12,201Not just lender fees.
Before credits & paid funds$219,663The complete starting cash picture.
Estimated remaining funds due at closing
$219,663No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,462.33
Your down payment$207,462.33
Closing costs + prepaids$12,200.60
Total buyer cash needed$219,662.93
Remaining funds due$219,662.93
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%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,362.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$548.50
Prepaid interest, first (1 days)$21.43
Fees + prepaids$12,200.60
Your down payment is the seller’s equity. You take over the $272,537 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $219,662.93 is due at closing. Uses and sources reconcile at $492,199.60 each. Not a Closing Disclosure.