Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$284,983Cash toward the purchase price.
Closing costs + prepaids$11,505Not just lender fees.
Before credits & paid funds$296,488The complete starting cash picture.
Estimated remaining funds due at closing
$296,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,983.10
Your down payment$284,983.10
Closing costs + prepaids$11,505.02
Total buyer cash needed$296,488.13
Remaining funds due$296,488.13
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$874.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$189.50
Prepaid interest, first (27 days)$373.94
Fees + prepaids$11,505.02
Your down payment is the seller’s equity. You take over the $174,917 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $296,488.13 is due at closing. Uses and sources reconcile at $471,405.02 each. Not a Closing Disclosure.