Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$285,916Cash toward the purchase price.
Closing costs + prepaids$12,509Not just lender fees.
Before credits & paid funds$298,424The complete starting cash picture.
Estimated remaining funds due at closing
$298,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,915.84
Your down payment$285,915.84
Closing costs + prepaids$12,508.61
Total buyer cash needed$298,424.44
Remaining funds due$298,424.44
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$769.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,510.00
Initial HOA (3 months)$125.01
Prepaid interest, first (28 days)$486.67
Fees + prepaids$12,508.61
Your down payment is the seller’s equity. You take over the $153,984 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $298,424.44 is due at closing. Uses and sources reconcile at $452,408.61 each. Not a Closing Disclosure.