Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$289,491Cash toward the purchase price.
Closing costs + prepaids$12,154Not just lender fees.
Before credits & paid funds$301,645The complete starting cash picture.
Estimated remaining funds due at closing
$301,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,490.90
Your down payment$289,490.90
Closing costs + prepaids$12,154.43
Total buyer cash needed$301,645.33
Remaining funds due$301,645.33
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%)$847.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.00
Initial HOA (3 months)$150.00
Prepaid interest, first (26 days)$499.89
Fees + prepaids$12,154.43
Your down payment is the seller’s equity. You take over the $169,509 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $301,645.33 is due at closing. Uses and sources reconcile at $471,154.43 each. Not a Closing Disclosure.