Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$260,677Cash toward the purchase price.
Closing costs + prepaids$12,841Not just lender fees.
Before credits & paid funds$273,517The complete starting cash picture.
Estimated remaining funds due at closing
$273,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,676.68
Your down payment$260,676.68
Closing costs + prepaids$12,840.75
Total buyer cash needed$273,517.43
Remaining funds due$273,517.43
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%)$4,699.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,046.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,175.00
Prepaid interest, first (28 days)$451.21
Fees + prepaids$12,840.75
Your down payment is the seller’s equity. You take over the $209,318 balance, so the rest of the $469,995 price is paid at closing. A second mortgage can cover part of it. $273,517.43 is due at closing. Uses and sources reconcile at $482,835.75 each. Not a Closing Disclosure.