Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$292,241Cash toward the purchase price.
Closing costs + prepaids$11,661Not just lender fees.
Before credits & paid funds$303,902The complete starting cash picture.
Estimated remaining funds due at closing
$303,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,241.38
Your down payment$292,241.38
Closing costs + prepaids$11,660.87
Total buyer cash needed$303,902.25
Remaining funds due$303,902.25
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$938.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$65.50
Prepaid interest, first (27 days)$390.07
Fees + prepaids$11,660.87
Your down payment is the seller’s equity. You take over the $187,659 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $303,902.25 is due at closing. Uses and sources reconcile at $491,560.87 each. Not a Closing Disclosure.