Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$253,429Cash toward the purchase price.
Closing costs + prepaids$12,466Not just lender fees.
Before credits & paid funds$265,895The complete starting cash picture.
Estimated remaining funds due at closing
$265,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,428.97
Your down payment$253,428.97
Closing costs + prepaids$12,465.96
Total buyer cash needed$265,894.93
Remaining funds due$265,894.93
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%)$4,893.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,179.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$611.75
Initial HOA (3 months)$24.99
Prepaid interest, first (15 days)$288.86
Fees + prepaids$12,465.96
Your down payment is the seller’s equity. You take over the $235,871 balance, so the rest of the $489,300 price is paid at closing. A second mortgage can cover part of it. $265,894.93 is due at closing. Uses and sources reconcile at $501,765.96 each. Not a Closing Disclosure.