Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$258,617Cash toward the purchase price.
Closing costs + prepaids$12,953Not just lender fees.
Before credits & paid funds$271,570The complete starting cash picture.
Estimated remaining funds due at closing
$271,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,617.03
Your down payment$258,617.03
Closing costs + prepaids$12,952.77
Total buyer cash needed$271,569.80
Remaining funds due$271,569.80
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,131.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$883.25
Prepaid interest, first (30 days)$619.61
Fees + prepaids$12,952.77
Your down payment is the seller’s equity. You take over the $226,383 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $271,569.80 is due at closing. Uses and sources reconcile at $497,952.77 each. Not a Closing Disclosure.