Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$293,380Cash toward the purchase price.
Closing costs + prepaids$11,793Not just lender fees.
Before credits & paid funds$305,173The complete starting cash picture.
Estimated remaining funds due at closing
$305,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,379.83
Your down payment$293,379.83
Closing costs + prepaids$11,793.10
Total buyer cash needed$305,172.93
Remaining funds due$305,172.93
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%)$832.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$590.25
Prepaid interest, first (23 days)$303.25
Fees + prepaids$11,793.10
Your down payment is the seller’s equity. You take over the $166,520 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $305,172.93 is due at closing. Uses and sources reconcile at $471,693.10 each. Not a Closing Disclosure.