Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$275,367Cash toward the purchase price.
Closing costs + prepaids$12,848Not just lender fees.
Before credits & paid funds$288,215The complete starting cash picture.
Estimated remaining funds due at closing
$288,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,366.57
Your down payment$275,366.57
Closing costs + prepaids$12,848.43
Total buyer cash needed$288,215.00
Remaining funds due$288,215.00
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%)$4,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,714.25
Initial HOA (3 months)$35.49
Prepaid interest, first (24 days)$507.53
Fees + prepaids$12,848.43
Your down payment is the seller’s equity. You take over the $174,632 balance, so the rest of the $449,999 price is paid at closing. A second mortgage can cover part of it. $288,215.00 is due at closing. Uses and sources reconcile at $462,847.43 each. Not a Closing Disclosure.