Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$284,541Cash toward the purchase price.
Closing costs + prepaids$12,860Not just lender fees.
Before credits & paid funds$297,401The complete starting cash picture.
Estimated remaining funds due at closing
$297,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,541.06
Your down payment$284,541.06
Closing costs + prepaids$12,860.31
Total buyer cash needed$297,401.37
Remaining funds due$297,401.37
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$976.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,045.75
Prepaid interest, first (31 days)$570.77
Fees + prepaids$12,860.31
Your down payment is the seller’s equity. You take over the $195,359 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $297,401.37 is due at closing. Uses and sources reconcile at $492,760.31 each. Not a Closing Disclosure.