Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$242,361Cash toward the purchase price.
Closing costs + prepaids$12,319Not just lender fees.
Before credits & paid funds$254,680The complete starting cash picture.
Estimated remaining funds due at closing
$254,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,361.29
Your down payment$242,361.29
Closing costs + prepaids$12,319.07
Total buyer cash needed$254,680.37
Remaining funds due$254,680.37
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,088.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$668.25
Initial HOA (3 months)$474.00
Prepaid interest, first (1 days)$20.63
Fees + prepaids$12,319.07
Your down payment is the seller’s equity. You take over the $217,639 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $254,680.37 is due at closing. Uses and sources reconcile at $472,319.07 each. Not a Closing Disclosure.