Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$254,002Cash toward the purchase price.
Closing costs + prepaids$16,291Not just lender fees.
Before credits & paid funds$270,293The complete starting cash picture.
Estimated remaining funds due at closing
$270,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,002.49
Your down payment$254,002.49
Closing costs + prepaids$16,290.81
Total buyer cash needed$270,293.29
Remaining funds due$270,293.29
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,004.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,365.75
Initial HOA (3 months)$1,527.99
Prepaid interest, first (23 days)$1,374.08
Fees + prepaids$16,290.81
Your down payment is the seller’s equity. You take over the $200,998 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $270,293.29 is due at closing. Uses and sources reconcile at $471,290.81 each. Not a Closing Disclosure.