Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$254,267Cash toward the purchase price.
Closing costs + prepaids$13,461Not just lender fees.
Before credits & paid funds$267,728The complete starting cash picture.
Estimated remaining funds due at closing
$267,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,266.79
Your down payment$254,266.79
Closing costs + prepaids$13,461.17
Total buyer cash needed$267,727.97
Remaining funds due$267,727.97
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%)$1,028.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.50
Initial HOA (3 months)$1,512.00
Prepaid interest, first (23 days)$396.51
Fees + prepaids$13,461.17
Your down payment is the seller’s equity. You take over the $205,633 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $267,727.97 is due at closing. Uses and sources reconcile at $473,361.17 each. Not a Closing Disclosure.