Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$248,401Cash toward the purchase price.
Closing costs + prepaids$11,923Not just lender fees.
Before credits & paid funds$260,324The complete starting cash picture.
Estimated remaining funds due at closing
$260,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,401.46
Your down payment$248,401.46
Closing costs + prepaids$11,922.84
Total buyer cash needed$260,324.31
Remaining funds due$260,324.31
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%)$4,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,005.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$149.25
Initial HOA (3 months)$648.99
Prepaid interest, first (27 days)$406.11
Fees + prepaids$11,922.84
Your down payment is the seller’s equity. You take over the $201,099 balance, so the rest of the $449,500 price is paid at closing. A second mortgage can cover part of it. $260,324.31 is due at closing. Uses and sources reconcile at $461,422.84 each. Not a Closing Disclosure.