Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$262,753Cash toward the purchase price.
Closing costs + prepaids$13,141Not just lender fees.
Before credits & paid funds$275,894The complete starting cash picture.
Estimated remaining funds due at closing
$275,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,753.09
Your down payment$262,753.09
Closing costs + prepaids$13,141.04
Total buyer cash needed$275,894.13
Remaining funds due$275,894.13
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,161.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,010.00
Initial HOA (3 months)$45.00
Prepaid interest, first (27 days)$506.81
Fees + prepaids$13,141.04
Your down payment is the seller’s equity. You take over the $232,247 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $275,894.13 is due at closing. Uses and sources reconcile at $508,141.04 each. Not a Closing Disclosure.