Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$284,983Cash toward the purchase price.
Closing costs + prepaids$11,380Not just lender fees.
Before credits & paid funds$296,363The complete starting cash picture.
Estimated remaining funds due at closing
$296,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,983.10
Your down payment$284,983.10
Closing costs + prepaids$11,380.38
Total buyer cash needed$296,363.48
Remaining funds due$296,363.48
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$874.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$189.50
Prepaid interest, first (18 days)$249.29
Fees + prepaids$11,380.38
Your down payment is the seller’s equity. You take over the $174,917 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $296,363.48 is due at closing. Uses and sources reconcile at $471,280.38 each. Not a Closing Disclosure.