Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$283,517Cash toward the purchase price.
Closing costs + prepaids$14,094Not just lender fees.
Before credits & paid funds$297,611The complete starting cash picture.
Estimated remaining funds due at closing
$297,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,517.31
Your down payment$283,517.31
Closing costs + prepaids$14,093.50
Total buyer cash needed$297,610.81
Remaining funds due$297,610.81
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$907.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,468.50
Prepaid interest, first (31 days)$599.59
Fees + prepaids$14,093.50
Your down payment is the seller’s equity. You take over the $181,483 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $297,610.81 is due at closing. Uses and sources reconcile at $479,093.50 each. Not a Closing Disclosure.