Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$261,145Cash toward the purchase price.
Closing costs + prepaids$12,319Not just lender fees.
Before credits & paid funds$273,464The complete starting cash picture.
Estimated remaining funds due at closing
$273,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,145.02
Your down payment$261,145.02
Closing costs + prepaids$12,319.42
Total buyer cash needed$273,464.44
Remaining funds due$273,464.44
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,019.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$663.00
Initial HOA (3 months)$114.00
Prepaid interest, first (26 days)$405.14
Fees + prepaids$12,319.42
Your down payment is the seller’s equity. You take over the $203,855 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $273,464.44 is due at closing. Uses and sources reconcile at $477,319.42 each. Not a Closing Disclosure.