Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$284,821Cash toward the purchase price.
Closing costs + prepaids$13,988Not just lender fees.
Before credits & paid funds$298,808The complete starting cash picture.
Estimated remaining funds due at closing
$298,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,820.59
Your down payment$284,820.59
Closing costs + prepaids$13,987.65
Total buyer cash needed$298,808.24
Remaining funds due$298,808.24
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%)$4,977.70
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,974.00
Prepaid interest, first (30 days)$503.20
Fees + prepaids$13,987.65
Your down payment is the seller’s equity. You take over the $212,949 balance, so the rest of the $497,770 price is paid at closing. A second mortgage can cover part of it. $298,808.24 is due at closing. Uses and sources reconcile at $511,757.65 each. Not a Closing Disclosure.