Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$255,738Cash toward the purchase price.
Closing costs + prepaids$12,796Not just lender fees.
Before credits & paid funds$268,534The complete starting cash picture.
Estimated remaining funds due at closing
$268,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,737.84
Your down payment$255,737.84
Closing costs + prepaids$12,796.25
Total buyer cash needed$268,534.09
Remaining funds due$268,534.09
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%)$4,780.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,111.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$761.75
Prepaid interest, first (28 days)$675.19
Fees + prepaids$12,796.25
Your down payment is the seller’s equity. You take over the $222,262 balance, so the rest of the $478,000 price is paid at closing. A second mortgage can cover part of it. $268,534.09 is due at closing. Uses and sources reconcile at $490,796.25 each. Not a Closing Disclosure.