Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$251,355Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$263,310The complete starting cash picture.
Estimated remaining funds due at closing
$263,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,354.90
Your down payment$251,354.90
Closing costs + prepaids$11,954.87
Total buyer cash needed$263,309.77
Remaining funds due$263,309.77
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$992.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.50
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$485.65
Fees + prepaids$11,954.87
Your down payment is the seller’s equity. You take over the $198,545 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $263,309.77 is due at closing. Uses and sources reconcile at $461,854.87 each. Not a Closing Disclosure.