Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$274,873Cash toward the purchase price.
Closing costs + prepaids$12,249Not just lender fees.
Before credits & paid funds$287,122The complete starting cash picture.
Estimated remaining funds due at closing
$287,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,872.78
Your down payment$274,872.78
Closing costs + prepaids$12,249.19
Total buyer cash needed$287,121.97
Remaining funds due$287,121.97
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%)$4,699.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$975.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$469.25
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$561.32
Fees + prepaids$12,249.19
Your down payment is the seller’s equity. You take over the $195,126 balance, so the rest of the $469,999 price is paid at closing. A second mortgage can cover part of it. $287,121.97 is due at closing. Uses and sources reconcile at $482,248.19 each. Not a Closing Disclosure.