Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$240,278Cash toward the purchase price.
Closing costs + prepaids$13,282Not just lender fees.
Before credits & paid funds$253,560The complete starting cash picture.
Estimated remaining funds due at closing
$253,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,278.48
Your down payment$240,278.48
Closing costs + prepaids$13,281.74
Total buyer cash needed$253,560.22
Remaining funds due$253,560.22
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%)$4,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,273.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$964.50
Prepaid interest, first (29 days)$627.14
Fees + prepaids$13,281.74
Your down payment is the seller’s equity. You take over the $254,622 balance, so the rest of the $494,900 price is paid at closing. A second mortgage can cover part of it. $253,560.22 is due at closing. Uses and sources reconcile at $508,181.74 each. Not a Closing Disclosure.