Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$249,011Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$260,924The complete starting cash picture.
Estimated remaining funds due at closing
$260,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,010.53
Your down payment$249,010.53
Closing costs + prepaids$11,913.67
Total buyer cash needed$260,924.19
Remaining funds due$260,924.19
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,004.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,174.75
Prepaid interest, first (1 days)$15.97
Fees + prepaids$11,913.67
Your down payment is the seller’s equity. You take over the $200,989 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $260,924.19 is due at closing. Uses and sources reconcile at $461,913.67 each. Not a Closing Disclosure.