Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$286,917Cash toward the purchase price.
Closing costs + prepaids$11,605Not just lender fees.
Before credits & paid funds$298,522The complete starting cash picture.
Estimated remaining funds due at closing
$298,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,917.49
Your down payment$286,917.49
Closing costs + prepaids$11,604.63
Total buyer cash needed$298,522.11
Remaining funds due$298,522.11
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$865.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.00
Prepaid interest, first (6 days)$119.21
Fees + prepaids$11,604.63
Your down payment is the seller’s equity. You take over the $173,083 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $298,522.11 is due at closing. Uses and sources reconcile at $471,604.63 each. Not a Closing Disclosure.