Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$276,599Cash toward the purchase price.
Closing costs + prepaids$11,698Not just lender fees.
Before credits & paid funds$288,297The complete starting cash picture.
Estimated remaining funds due at closing
$288,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,599.10
Your down payment$276,599.10
Closing costs + prepaids$11,697.54
Total buyer cash needed$288,296.64
Remaining funds due$288,296.64
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%)$917.00
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 (9 days)$160.54
Fees + prepaids$11,697.54
Your down payment is the seller’s equity. You take over the $183,401 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $288,296.64 is due at closing. Uses and sources reconcile at $471,697.54 each. Not a Closing Disclosure.