Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$248,576Cash toward the purchase price.
Closing costs + prepaids$12,400Not just lender fees.
Before credits & paid funds$260,976The complete starting cash picture.
Estimated remaining funds due at closing
$260,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,575.83
Your down payment$248,575.83
Closing costs + prepaids$12,399.90
Total buyer cash needed$260,975.74
Remaining funds due$260,975.74
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%)$1,032.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$669.25
Initial HOA (3 months)$141.00
Prepaid interest, first (30 days)$539.53
Fees + prepaids$12,399.90
Your down payment is the seller’s equity. You take over the $206,424 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $260,975.74 is due at closing. Uses and sources reconcile at $467,399.90 each. Not a Closing Disclosure.