Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$242,992Cash toward the purchase price.
Closing costs + prepaids$12,933Not just lender fees.
Before credits & paid funds$255,925The complete starting cash picture.
Estimated remaining funds due at closing
$255,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,991.52
Your down payment$242,991.52
Closing costs + prepaids$12,933.00
Total buyer cash needed$255,924.52
Remaining funds due$255,924.52
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,085.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$668.25
Initial HOA (3 months)$474.00
Prepaid interest, first (31 days)$637.71
Fees + prepaids$12,933.00
Your down payment is the seller’s equity. You take over the $217,008 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $255,924.52 is due at closing. Uses and sources reconcile at $472,933.00 each. Not a Closing Disclosure.