Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$259,463Cash toward the purchase price.
Closing costs + prepaids$12,267Not just lender fees.
Before credits & paid funds$271,730The complete starting cash picture.
Estimated remaining funds due at closing
$271,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,462.98
Your down payment$259,462.98
Closing costs + prepaids$12,266.95
Total buyer cash needed$271,729.94
Remaining funds due$271,729.94
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,052.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$329.25
Initial HOA (3 months)$195.00
Prepaid interest, first (25 days)$522.02
Fees + prepaids$12,266.95
Your down payment is the seller’s equity. You take over the $210,537 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $271,729.94 is due at closing. Uses and sources reconcile at $482,266.95 each. Not a Closing Disclosure.