Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$250,879Cash toward the purchase price.
Closing costs + prepaids$11,503Not just lender fees.
Before credits & paid funds$262,382The complete starting cash picture.
Estimated remaining funds due at closing
$262,382No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,879.17
Your down payment$250,879.17
Closing costs + prepaids$11,503.01
Total buyer cash needed$262,382.19
Remaining funds due$262,382.19
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$995.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.50
Initial HOA (3 months)$282.00
Prepaid interest, first (2 days)$31.41
Fees + prepaids$11,503.01
Your down payment is the seller’s equity. You take over the $199,021 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $262,382.19 is due at closing. Uses and sources reconcile at $461,403.01 each. Not a Closing Disclosure.