Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$283,517Cash toward the purchase price.
Closing costs + prepaids$13,939Not just lender fees.
Before credits & paid funds$297,456The complete starting cash picture.
Estimated remaining funds due at closing
$297,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,517.31
Your down payment$283,517.31
Closing costs + prepaids$13,938.77
Total buyer cash needed$297,456.08
Remaining funds due$297,456.08
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%)$907.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,468.50
Prepaid interest, first (23 days)$444.86
Fees + prepaids$13,938.77
Your down payment is the seller’s equity. You take over the $181,483 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $297,456.08 is due at closing. Uses and sources reconcile at $478,938.77 each. Not a Closing Disclosure.