Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$246,120Cash toward the purchase price.
Closing costs + prepaids$12,170Not just lender fees.
Before credits & paid funds$258,290The complete starting cash picture.
Estimated remaining funds due at closing
$258,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,119.82
Your down payment$246,119.82
Closing costs + prepaids$12,170.09
Total buyer cash needed$258,289.91
Remaining funds due$258,289.91
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,068.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.00
Prepaid interest, first (28 days)$459.19
Fees + prepaids$12,170.09
Your down payment is the seller’s equity. You take over the $213,780 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $258,289.91 is due at closing. Uses and sources reconcile at $472,070.09 each. Not a Closing Disclosure.