Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$282,129Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$293,711The complete starting cash picture.
Estimated remaining funds due at closing
$293,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,128.74
Your down payment$282,128.74
Closing costs + prepaids$11,582.08
Total buyer cash needed$293,710.82
Remaining funds due$293,710.82
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$889.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$231.75
Prepaid interest, first (28 days)$392.97
Fees + prepaids$11,582.08
Your down payment is the seller’s equity. You take over the $177,871 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $293,710.82 is due at closing. Uses and sources reconcile at $471,582.08 each. Not a Closing Disclosure.