Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$287,180Cash toward the purchase price.
Closing costs + prepaids$12,644Not just lender fees.
Before credits & paid funds$299,824The complete starting cash picture.
Estimated remaining funds due at closing
$299,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,180.25
Your down payment$287,180.25
Closing costs + prepaids$12,643.58
Total buyer cash needed$299,823.84
Remaining funds due$299,823.84
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,013.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$918.50
Initial HOA (3 months)$99.00
Prepaid interest, first (13 days)$245.49
Fees + prepaids$12,643.58
Your down payment is the seller’s equity. You take over the $202,720 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $299,823.84 is due at closing. Uses and sources reconcile at $502,543.58 each. Not a Closing Disclosure.