Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$241,352Cash toward the purchase price.
Closing costs + prepaids$14,255Not just lender fees.
Before credits & paid funds$255,607The complete starting cash picture.
Estimated remaining funds due at closing
$255,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,351.91
Your down payment$241,351.91
Closing costs + prepaids$14,254.92
Total buyer cash needed$255,606.83
Remaining funds due$255,606.83
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,167.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,215.25
Initial HOA (3 months)$31.26
Prepaid interest, first (27 days)$623.67
Fees + prepaids$14,254.92
Your down payment is the seller’s equity. You take over the $233,548 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $255,606.83 is due at closing. Uses and sources reconcile at $489,154.92 each. Not a Closing Disclosure.