Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$280,875Cash toward the purchase price.
Closing costs + prepaids$11,610Not just lender fees.
Before credits & paid funds$292,485The complete starting cash picture.
Estimated remaining funds due at closing
$292,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,875.11
Your down payment$280,875.11
Closing costs + prepaids$11,609.73
Total buyer cash needed$292,484.84
Remaining funds due$292,484.84
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$995.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$332.50
Prepaid interest, first (1 days)$15.10
Fees + prepaids$11,609.73
Your down payment is the seller’s equity. You take over the $199,025 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $292,484.84 is due at closing. Uses and sources reconcile at $491,509.73 each. Not a Closing Disclosure.