Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$284,654Cash toward the purchase price.
Closing costs + prepaids$13,692Not just lender fees.
Before credits & paid funds$298,346The complete starting cash picture.
Estimated remaining funds due at closing
$298,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,654.39
Your down payment$284,654.39
Closing costs + prepaids$13,691.60
Total buyer cash needed$298,346.00
Remaining funds due$298,346.00
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,001.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$763.50
Initial HOA (3 months)$1,200.00
Prepaid interest, first (30 days)$408.38
Fees + prepaids$13,691.60
Your down payment is the seller’s equity. You take over the $200,346 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $298,346.00 is due at closing. Uses and sources reconcile at $498,691.60 each. Not a Closing Disclosure.