Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$261,316Cash toward the purchase price.
Closing costs + prepaids$13,152Not just lender fees.
Before credits & paid funds$274,469The complete starting cash picture.
Estimated remaining funds due at closing
$274,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,316.15
Your down payment$261,316.15
Closing costs + prepaids$13,152.46
Total buyer cash needed$274,468.61
Remaining funds due$274,468.61
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,138.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$990.25
Initial HOA (3 months)$174.99
Prepaid interest, first (28 days)$490.80
Fees + prepaids$13,152.46
Your down payment is the seller’s equity. You take over the $227,684 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $274,468.61 is due at closing. Uses and sources reconcile at $502,152.46 each. Not a Closing Disclosure.