Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$250,631Cash toward the purchase price.
Closing costs + prepaids$12,226Not just lender fees.
Before credits & paid funds$262,857The complete starting cash picture.
Estimated remaining funds due at closing
$262,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,630.97
Your down payment$250,630.97
Closing costs + prepaids$12,226.37
Total buyer cash needed$262,857.34
Remaining funds due$262,857.34
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,071.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$997.00
Initial HOA (3 months)$6.75
Prepaid interest, first (2 days)$32.77
Fees + prepaids$12,226.37
Your down payment is the seller’s equity. You take over the $214,369 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $262,857.34 is due at closing. Uses and sources reconcile at $477,226.37 each. Not a Closing Disclosure.