Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$290,765Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$303,051The complete starting cash picture.
Estimated remaining funds due at closing
$303,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,764.97
Your down payment$290,764.97
Closing costs + prepaids$12,285.84
Total buyer cash needed$303,050.81
Remaining funds due$303,050.81
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$895.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.25
Prepaid interest, first (29 days)$520.91
Fees + prepaids$12,285.84
Your down payment is the seller’s equity. You take over the $179,135 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $303,050.81 is due at closing. Uses and sources reconcile at $482,185.84 each. Not a Closing Disclosure.