Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$247,206Cash toward the purchase price.
Closing costs + prepaids$14,129Not just lender fees.
Before credits & paid funds$261,335The complete starting cash picture.
Estimated remaining funds due at closing
$261,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,206.30
Your down payment$247,206.30
Closing costs + prepaids$14,128.70
Total buyer cash needed$261,335.00
Remaining funds due$261,335.00
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,008.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,067.75
Initial HOA (3 months)$930.00
Prepaid interest, first (24 days)$413.98
Fees + prepaids$14,128.70
Your down payment is the seller’s equity. You take over the $201,794 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $261,335.00 is due at closing. Uses and sources reconcile at $463,128.70 each. Not a Closing Disclosure.