Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$278,253Cash toward the purchase price.
Closing costs + prepaids$12,708Not just lender fees.
Before credits & paid funds$290,961The complete starting cash picture.
Estimated remaining funds due at closing
$290,961No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,252.86
Your down payment$278,252.86
Closing costs + prepaids$12,707.86
Total buyer cash needed$290,960.72
Remaining funds due$290,960.72
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%)$4,859.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,038.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$669.75
Initial HOA (3 months)$60.00
Prepaid interest, first (27 days)$612.87
Fees + prepaids$12,707.86
Your down payment is the seller’s equity. You take over the $207,647 balance, so the rest of the $485,900 price is paid at closing. A second mortgage can cover part of it. $290,960.72 is due at closing. Uses and sources reconcile at $498,607.86 each. Not a Closing Disclosure.