Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$249,470Cash toward the purchase price.
Closing costs + prepaids$12,262Not just lender fees.
Before credits & paid funds$261,731The complete starting cash picture.
Estimated remaining funds due at closing
$261,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,469.64
Your down payment$249,469.64
Closing costs + prepaids$12,261.85
Total buyer cash needed$261,731.50
Remaining funds due$261,731.50
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,002.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,174.75
Prepaid interest, first (23 days)$366.45
Fees + prepaids$12,261.85
Your down payment is the seller’s equity. You take over the $200,530 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $261,731.50 is due at closing. Uses and sources reconcile at $462,261.85 each. Not a Closing Disclosure.