Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$253,785Cash toward the purchase price.
Closing costs + prepaids$11,327Not just lender fees.
Before credits & paid funds$265,113The complete starting cash picture.
Estimated remaining funds due at closing
$265,113No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,785.47
Your down payment$253,785.47
Closing costs + prepaids$11,327.45
Total buyer cash needed$265,112.92
Remaining funds due$265,112.92
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$981.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (6 days)$88.38
Fees + prepaids$11,327.45
Your down payment is the seller’s equity. You take over the $196,215 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $265,112.92 is due at closing. Uses and sources reconcile at $461,327.45 each. Not a Closing Disclosure.