Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$266,059Cash toward the purchase price.
Closing costs + prepaids$13,381Not just lender fees.
Before credits & paid funds$279,439The complete starting cash picture.
Estimated remaining funds due at closing
$279,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,058.64
Your down payment$266,058.64
Closing costs + prepaids$13,380.51
Total buyer cash needed$279,439.15
Remaining funds due$279,439.15
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%)$4,785.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,062.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$1,641.00
Prepaid interest, first (27 days)$424.30
Fees + prepaids$13,380.51
Your down payment is the seller’s equity. You take over the $212,441 balance, so the rest of the $478,500 price is paid at closing. A second mortgage can cover part of it. $279,439.15 is due at closing. Uses and sources reconcile at $491,880.51 each. Not a Closing Disclosure.