Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$275,656Cash toward the purchase price.
Closing costs + prepaids$11,836Not just lender fees.
Before credits & paid funds$287,492The complete starting cash picture.
Estimated remaining funds due at closing
$287,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,656.37
Your down payment$275,656.37
Closing costs + prepaids$11,835.79
Total buyer cash needed$287,492.15
Remaining funds due$287,492.15
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$966.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$562.75
Prepaid interest, first (10 days)$148.32
Fees + prepaids$11,835.79
Your down payment is the seller’s equity. You take over the $193,344 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $287,492.15 is due at closing. Uses and sources reconcile at $480,835.79 each. Not a Closing Disclosure.