Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$274,716Cash toward the purchase price.
Closing costs + prepaids$14,486Not just lender fees.
Before credits & paid funds$289,202The complete starting cash picture.
Estimated remaining funds due at closing
$289,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,715.61
Your down payment$274,715.61
Closing costs + prepaids$14,486.47
Total buyer cash needed$289,202.08
Remaining funds due$289,202.08
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%)$4,798.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,025.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,008.00
Initial HOA (3 months)$1,569.00
Prepaid interest, first (24 days)$616.56
Fees + prepaids$14,486.47
Your down payment is the seller’s equity. You take over the $205,183 balance, so the rest of the $479,899 price is paid at closing. A second mortgage can cover part of it. $289,202.08 is due at closing. Uses and sources reconcile at $494,385.47 each. Not a Closing Disclosure.