Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$242,780Cash toward the purchase price.
Closing costs + prepaids$12,273Not just lender fees.
Before credits & paid funds$255,053The complete starting cash picture.
Estimated remaining funds due at closing
$255,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,780.02
Your down payment$242,780.02
Closing costs + prepaids$12,272.95
Total buyer cash needed$255,052.96
Remaining funds due$255,052.96
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%)$1,131.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$586.25
Initial HOA (3 months)$75.00
Prepaid interest, first (15 days)$322.60
Fees + prepaids$12,272.95
Your down payment is the seller’s equity. You take over the $226,220 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $255,052.96 is due at closing. Uses and sources reconcile at $481,272.95 each. Not a Closing Disclosure.