Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$282,672Cash toward the purchase price.
Closing costs + prepaids$12,414Not just lender fees.
Before credits & paid funds$295,085The complete starting cash picture.
Estimated remaining funds due at closing
$295,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,671.73
Your down payment$282,671.73
Closing costs + prepaids$12,413.57
Total buyer cash needed$295,085.30
Remaining funds due$295,085.30
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,036.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.25
Prepaid interest, first (21 days)$435.18
Fees + prepaids$12,413.57
Your down payment is the seller’s equity. You take over the $207,228 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $295,085.30 is due at closing. Uses and sources reconcile at $502,313.57 each. Not a Closing Disclosure.