Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$295,962Cash toward the purchase price.
Closing costs + prepaids$12,666Not just lender fees.
Before credits & paid funds$308,628The complete starting cash picture.
Estimated remaining funds due at closing
$308,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,961.60
Your down payment$295,961.60
Closing costs + prepaids$12,666.12
Total buyer cash needed$308,627.72
Remaining funds due$308,627.72
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%)$4,739.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$889.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$318.00
Prepaid interest, first (24 days)$615.42
Fees + prepaids$12,666.12
Your down payment is the seller’s equity. You take over the $177,938 balance, so the rest of the $473,900 price is paid at closing. A second mortgage can cover part of it. $308,627.72 is due at closing. Uses and sources reconcile at $486,566.12 each. Not a Closing Disclosure.