Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$259,180Cash toward the purchase price.
Closing costs + prepaids$13,900Not just lender fees.
Before credits & paid funds$273,080The complete starting cash picture.
Estimated remaining funds due at closing
$273,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,180.28
Your down payment$259,180.28
Closing costs + prepaids$13,899.58
Total buyer cash needed$273,079.86
Remaining funds due$273,079.86
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%)$4,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,139.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,847.50
Prepaid interest, first (28 days)$574.98
Fees + prepaids$13,899.58
Your down payment is the seller’s equity. You take over the $227,820 balance, so the rest of the $487,000 price is paid at closing. A second mortgage can cover part of it. $273,079.86 is due at closing. Uses and sources reconcile at $500,899.58 each. Not a Closing Disclosure.