Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,533Cash toward the purchase price.
Closing costs + prepaids$12,251Not just lender fees.
Before credits & paid funds$268,784The complete starting cash picture.
Estimated remaining funds due at closing
$268,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,532.83
Your down payment$256,532.83
Closing costs + prepaids$12,251.07
Total buyer cash needed$268,783.89
Remaining funds due$268,783.89
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,042.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$418.75
Initial HOA (3 months)$123.00
Prepaid interest, first (27 days)$548.98
Fees + prepaids$12,251.07
Your down payment is the seller’s equity. You take over the $208,467 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $268,783.89 is due at closing. Uses and sources reconcile at $477,251.07 each. Not a Closing Disclosure.