Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$264,016Cash toward the purchase price.
Closing costs + prepaids$12,773Not just lender fees.
Before credits & paid funds$276,788The complete starting cash picture.
Estimated remaining funds due at closing
$276,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,015.55
Your down payment$264,015.55
Closing costs + prepaids$12,772.67
Total buyer cash needed$276,788.22
Remaining funds due$276,788.22
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%)$1,029.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$987.25
Initial HOA (3 months)$52.50
Prepaid interest, first (24 days)$535.00
Fees + prepaids$12,772.67
Your down payment is the seller’s equity. You take over the $205,984 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $276,788.22 is due at closing. Uses and sources reconcile at $482,772.67 each. Not a Closing Disclosure.