Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$275,281Cash toward the purchase price.
Closing costs + prepaids$11,461Not just lender fees.
Before credits & paid funds$286,742The complete starting cash picture.
Estimated remaining funds due at closing
$286,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,281.25
Your down payment$275,281.25
Closing costs + prepaids$11,460.96
Total buyer cash needed$286,742.21
Remaining funds due$286,742.21
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%)$923.09
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 (24 days)$441.87
Fees + prepaids$11,460.96
Your down payment is the seller’s equity. You take over the $184,619 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $286,742.21 is due at closing. Uses and sources reconcile at $471,360.96 each. Not a Closing Disclosure.