Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$245,221Cash toward the purchase price.
Closing costs + prepaids$12,220Not just lender fees.
Before credits & paid funds$257,441The complete starting cash picture.
Estimated remaining funds due at closing
$257,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,221.22
Your down payment$245,221.22
Closing costs + prepaids$12,219.65
Total buyer cash needed$257,440.88
Remaining funds due$257,440.88
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,123.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (16 days)$341.76
Fees + prepaids$12,219.65
Your down payment is the seller’s equity. You take over the $224,679 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $257,440.88 is due at closing. Uses and sources reconcile at $482,119.65 each. Not a Closing Disclosure.