Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$243,250Cash toward the purchase price.
Closing costs + prepaids$14,382Not just lender fees.
Before credits & paid funds$257,631The complete starting cash picture.
Estimated remaining funds due at closing
$257,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,249.51
Your down payment$243,249.51
Closing costs + prepaids$14,381.99
Total buyer cash needed$257,631.50
Remaining funds due$257,631.50
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%)$1,183.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,200.00
Initial HOA (3 months)$1,260.00
Prepaid interest, first (25 days)$470.26
Fees + prepaids$14,381.99
Your down payment is the seller’s equity. You take over the $236,749 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $257,631.50 is due at closing. Uses and sources reconcile at $494,380.99 each. Not a Closing Disclosure.