Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$284,563Cash toward the purchase price.
Closing costs + prepaids$11,147Not just lender fees.
Before credits & paid funds$295,710The complete starting cash picture.
Estimated remaining funds due at closing
$295,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,562.54
Your down payment$284,562.54
Closing costs + prepaids$11,147.07
Total buyer cash needed$295,709.61
Remaining funds due$295,709.61
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$876.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$189.50
Prepaid interest, first (1 days)$13.88
Fees + prepaids$11,147.07
Your down payment is the seller’s equity. You take over the $175,337 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $295,709.61 is due at closing. Uses and sources reconcile at $471,047.07 each. Not a Closing Disclosure.