Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$250,141Cash toward the purchase price.
Closing costs + prepaids$12,900Not just lender fees.
Before credits & paid funds$263,041The complete starting cash picture.
Estimated remaining funds due at closing
$263,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,140.78
Your down payment$250,140.78
Closing costs + prepaids$12,899.81
Total buyer cash needed$263,040.59
Remaining funds due$263,040.59
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,099.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,077.75
Prepaid interest, first (30 days)$554.77
Fees + prepaids$12,899.81
Your down payment is the seller’s equity. You take over the $219,859 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $263,040.59 is due at closing. Uses and sources reconcile at $482,899.81 each. Not a Closing Disclosure.