Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$228,428Cash toward the purchase price.
Closing costs + prepaids$12,887Not just lender fees.
Before credits & paid funds$241,315The complete starting cash picture.
Estimated remaining funds due at closing
$241,315No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,427.50
Your down payment$228,427.50
Closing costs + prepaids$12,887.01
Total buyer cash needed$241,314.51
Remaining funds due$241,314.51
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,307.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$608.75
Prepaid interest, first (30 days)$603.89
Fees + prepaids$12,887.01
Your down payment is the seller’s equity. You take over the $261,472 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $241,314.51 is due at closing. Uses and sources reconcile at $502,787.01 each. Not a Closing Disclosure.