Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$282,723Cash toward the purchase price.
Closing costs + prepaids$12,373Not just lender fees.
Before credits & paid funds$295,097The complete starting cash picture.
Estimated remaining funds due at closing
$295,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,723.40
Your down payment$282,723.40
Closing costs + prepaids$12,373.20
Total buyer cash needed$295,096.60
Remaining funds due$295,096.60
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$881.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$809.50
Initial HOA (3 months)$81.00
Prepaid interest, first (30 days)$543.32
Fees + prepaids$12,373.20
Your down payment is the seller’s equity. You take over the $176,277 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $295,096.60 is due at closing. Uses and sources reconcile at $471,373.20 each. Not a Closing Disclosure.