Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$298,326Cash toward the purchase price.
Closing costs + prepaids$12,117Not just lender fees.
Before credits & paid funds$310,443The complete starting cash picture.
Estimated remaining funds due at closing
$310,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,326.20
Your down payment$298,326.20
Closing costs + prepaids$12,116.96
Total buyer cash needed$310,443.16
Remaining funds due$310,443.16
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%)$4,748.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$882.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$83.01
Prepaid interest, first (30 days)$407.58
Fees + prepaids$12,116.96
Your down payment is the seller’s equity. You take over the $176,474 balance, so the rest of the $474,800 price is paid at closing. A second mortgage can cover part of it. $310,443.16 is due at closing. Uses and sources reconcile at $486,916.96 each. Not a Closing Disclosure.