Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$283,415Cash toward the purchase price.
Closing costs + prepaids$12,136Not just lender fees.
Before credits & paid funds$295,551The complete starting cash picture.
Estimated remaining funds due at closing
$295,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,414.87
Your down payment$283,414.87
Closing costs + prepaids$12,136.44
Total buyer cash needed$295,551.31
Remaining funds due$295,551.31
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$907.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$553.00
Initial HOA (3 months)$24.00
Prepaid interest, first (28 days)$533.51
Fees + prepaids$12,136.44
Your down payment is the seller’s equity. You take over the $181,585 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $295,551.31 is due at closing. Uses and sources reconcile at $477,136.44 each. Not a Closing Disclosure.