Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$257,970Cash toward the purchase price.
Closing costs + prepaids$11,914Not just lender fees.
Before credits & paid funds$269,884The complete starting cash picture.
Estimated remaining funds due at closing
$269,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,970.49
Your down payment$257,970.49
Closing costs + prepaids$11,913.70
Total buyer cash needed$269,884.19
Remaining funds due$269,884.19
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%)$4,529.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$974.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$566.25
Initial HOA (3 months)$150.00
Prepaid interest, first (14 days)$225.80
Fees + prepaids$11,913.70
Your down payment is the seller’s equity. You take over the $194,930 balance, so the rest of the $452,900 price is paid at closing. A second mortgage can cover part of it. $269,884.19 is due at closing. Uses and sources reconcile at $464,813.70 each. Not a Closing Disclosure.