Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$305,018Cash toward the purchase price.
Closing costs + prepaids$12,022Not just lender fees.
Before credits & paid funds$317,040The complete starting cash picture.
Estimated remaining funds due at closing
$317,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,017.89
Your down payment$305,017.89
Closing costs + prepaids$12,021.87
Total buyer cash needed$317,039.76
Remaining funds due$317,039.76
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$769.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$808.75
Prepaid interest, first (23 days)$385.21
Fees + prepaids$12,021.87
Your down payment is the seller’s equity. You take over the $153,982 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $317,039.76 is due at closing. Uses and sources reconcile at $471,021.87 each. Not a Closing Disclosure.