Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$267,809Cash toward the purchase price.
Closing costs + prepaids$12,406Not just lender fees.
Before credits & paid funds$280,215The complete starting cash picture.
Estimated remaining funds due at closing
$280,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,808.97
Your down payment$267,808.97
Closing costs + prepaids$12,406.33
Total buyer cash needed$280,215.30
Remaining funds due$280,215.30
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%)$4,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$980.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$556.75
Initial HOA (3 months)$570.99
Prepaid interest, first (12 days)$189.63
Fees + prepaids$12,406.33
Your down payment is the seller’s equity. You take over the $196,191 balance, so the rest of the $464,000 price is paid at closing. A second mortgage can cover part of it. $280,215.30 is due at closing. Uses and sources reconcile at $476,406.33 each. Not a Closing Disclosure.