Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$260,023Cash toward the purchase price.
Closing costs + prepaids$12,320Not just lender fees.
Before credits & paid funds$272,343The complete starting cash picture.
Estimated remaining funds due at closing
$272,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,022.89
Your down payment$260,022.89
Closing costs + prepaids$12,320.35
Total buyer cash needed$272,343.24
Remaining funds due$272,343.24
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,049.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$476.50
Prepaid interest, first (27 days)$625.96
Fees + prepaids$12,320.35
Your down payment is the seller’s equity. You take over the $209,977 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $272,343.24 is due at closing. Uses and sources reconcile at $482,320.35 each. Not a Closing Disclosure.