Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$286,085Cash toward the purchase price.
Closing costs + prepaids$12,166Not just lender fees.
Before credits & paid funds$298,251The complete starting cash picture.
Estimated remaining funds due at closing
$298,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,084.69
Your down payment$286,084.69
Closing costs + prepaids$12,166.18
Total buyer cash needed$298,250.87
Remaining funds due$298,250.87
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,019.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$282.50
Prepaid interest, first (30 days)$496.10
Fees + prepaids$12,166.18
Your down payment is the seller’s equity. You take over the $203,915 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $298,250.87 is due at closing. Uses and sources reconcile at $502,166.18 each. Not a Closing Disclosure.