Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$287,057Cash toward the purchase price.
Closing costs + prepaids$11,615Not just lender fees.
Before credits & paid funds$298,672The complete starting cash picture.
Estimated remaining funds due at closing
$298,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,057.08
Your down payment$287,057.08
Closing costs + prepaids$11,614.94
Total buyer cash needed$298,672.02
Remaining funds due$298,672.02
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$814.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$658.50
Prepaid interest, first (28 days)$423.74
Fees + prepaids$11,614.94
Your down payment is the seller’s equity. You take over the $162,942 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $298,672.02 is due at closing. Uses and sources reconcile at $461,613.94 each. Not a Closing Disclosure.