Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$291,773Cash toward the purchase price.
Closing costs + prepaids$11,556Not just lender fees.
Before credits & paid funds$303,329The complete starting cash picture.
Estimated remaining funds due at closing
$303,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,772.84
Your down payment$291,772.84
Closing costs + prepaids$11,556.29
Total buyer cash needed$303,329.13
Remaining funds due$303,329.13
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$915.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$29.00
Prepaid interest, first (23 days)$394.65
Fees + prepaids$11,556.29
Your down payment is the seller’s equity. You take over the $183,127 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $303,329.13 is due at closing. Uses and sources reconcile at $486,456.29 each. Not a Closing Disclosure.