Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$264,312Cash toward the purchase price.
Closing costs + prepaids$12,142Not just lender fees.
Before credits & paid funds$276,454The complete starting cash picture.
Estimated remaining funds due at closing
$276,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,311.91
Your down payment$264,311.91
Closing costs + prepaids$12,141.80
Total buyer cash needed$276,453.71
Remaining funds due$276,453.71
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,023.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.75
Initial HOA (3 months)$225.00
Prepaid interest, first (9 days)$172.61
Fees + prepaids$12,141.80
Your down payment is the seller’s equity. You take over the $204,688 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $276,453.71 is due at closing. Uses and sources reconcile at $481,141.80 each. Not a Closing Disclosure.