Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$249,582Cash toward the purchase price.
Closing costs + prepaids$12,182Not just lender fees.
Before credits & paid funds$261,764The complete starting cash picture.
Estimated remaining funds due at closing
$261,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,582.14
Your down payment$249,582.14
Closing costs + prepaids$12,181.91
Total buyer cash needed$261,764.05
Remaining funds due$261,764.05
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,027.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$392.25
Prepaid interest, first (30 days)$744.57
Fees + prepaids$12,181.91
Your down payment is the seller’s equity. You take over the $205,418 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $261,764.05 is due at closing. Uses and sources reconcile at $467,181.91 each. Not a Closing Disclosure.