Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$263,912Cash toward the purchase price.
Closing costs + prepaids$12,787Not just lender fees.
Before credits & paid funds$276,698The complete starting cash picture.
Estimated remaining funds due at closing
$276,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,911.53
Your down payment$263,911.53
Closing costs + prepaids$12,786.55
Total buyer cash needed$276,698.08
Remaining funds due$276,698.08
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%)$4,549.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$955.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$626.50
Initial HOA (3 months)$438.00
Prepaid interest, first (21 days)$748.68
Fees + prepaids$12,786.55
Your down payment is the seller’s equity. You take over the $191,083 balance, so the rest of the $454,995 price is paid at closing. A second mortgage can cover part of it. $276,698.08 is due at closing. Uses and sources reconcile at $467,781.55 each. Not a Closing Disclosure.