Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$282,672Cash toward the purchase price.
Closing costs + prepaids$12,178Not just lender fees.
Before credits & paid funds$294,849The complete starting cash picture.
Estimated remaining funds due at closing
$294,849No 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$12,177.65
Total buyer cash needed$294,849.38
Remaining funds due$294,849.38
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)$588.00
Prepaid interest, first (9 days)$186.51
Fees + prepaids$12,177.65
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. $294,849.38 is due at closing. Uses and sources reconcile at $502,077.65 each. Not a Closing Disclosure.