Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$278,797Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$290,555The complete starting cash picture.
Estimated remaining funds due at closing
$290,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,797.23
Your down payment$278,797.23
Closing costs + prepaids$11,757.99
Total buyer cash needed$290,555.22
Remaining funds due$290,555.22
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%)$905.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.00
Prepaid interest, first (14 days)$210.48
Fees + prepaids$11,757.99
Your down payment is the seller’s equity. You take over the $181,103 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $290,555.22 is due at closing. Uses and sources reconcile at $471,657.99 each. Not a Closing Disclosure.