Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$244,093Cash toward the purchase price.
Closing costs + prepaids$11,690Not just lender fees.
Before credits & paid funds$255,783The complete starting cash picture.
Estimated remaining funds due at closing
$255,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$244,093.24
Your down payment$244,093.24
Closing costs + prepaids$11,690.18
Total buyer cash needed$255,783.41
Remaining funds due$255,783.41
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,079.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$77.00
Initial HOA (3 months)$62.49
Prepaid interest, first (29 days)$404.65
Fees + prepaids$11,690.18
Your down payment is the seller’s equity. You take over the $215,807 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $255,783.41 is due at closing. Uses and sources reconcile at $471,590.18 each. Not a Closing Disclosure.