Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$277,802Cash toward the purchase price.
Closing costs + prepaids$13,416Not just lender fees.
Before credits & paid funds$291,218The complete starting cash picture.
Estimated remaining funds due at closing
$291,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,801.89
Your down payment$277,801.89
Closing costs + prepaids$13,415.84
Total buyer cash needed$291,217.73
Remaining funds due$291,217.73
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$960.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,554.00
Initial HOA (3 months)$195.00
Prepaid interest, first (28 days)$539.35
Fees + prepaids$13,415.84
Your down payment is the seller’s equity. You take over the $192,098 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $291,217.73 is due at closing. Uses and sources reconcile at $483,315.84 each. Not a Closing Disclosure.