Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$285,825Cash toward the purchase price.
Closing costs + prepaids$11,789Not just lender fees.
Before credits & paid funds$297,614The complete starting cash picture.
Estimated remaining funds due at closing
$297,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,824.57
Your down payment$285,824.57
Closing costs + prepaids$11,789.28
Total buyer cash needed$297,613.84
Remaining funds due$297,613.84
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$820.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$763.00
Initial HOA (3 months)$3.24
Prepaid interest, first (26 days)$484.16
Fees + prepaids$11,789.28
Your down payment is the seller’s equity. You take over the $164,175 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $297,613.84 is due at closing. Uses and sources reconcile at $461,789.28 each. Not a Closing Disclosure.