Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$290,134Cash toward the purchase price.
Closing costs + prepaids$13,713Not just lender fees.
Before credits & paid funds$303,846The complete starting cash picture.
Estimated remaining funds due at closing
$303,846No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,133.62
Your down payment$290,133.62
Closing costs + prepaids$13,712.78
Total buyer cash needed$303,846.40
Remaining funds due$303,846.40
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$874.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,162.50
Initial HOA (3 months)$1,188.00
Prepaid interest, first (27 days)$369.95
Fees + prepaids$13,712.78
Your down payment is the seller’s equity. You take over the $174,866 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $303,846.40 is due at closing. Uses and sources reconcile at $478,712.78 each. Not a Closing Disclosure.