Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$285,186Cash toward the purchase price.
Closing costs + prepaids$11,613Not just lender fees.
Before credits & paid funds$296,799The complete starting cash picture.
Estimated remaining funds due at closing
$296,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,185.87
Your down payment$285,185.87
Closing costs + prepaids$11,612.94
Total buyer cash needed$296,798.81
Remaining funds due$296,798.81
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$969.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$371.00
Prepaid interest, first (1 days)$14.87
Fees + prepaids$11,612.94
Your down payment is the seller’s equity. You take over the $193,814 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $296,798.81 is due at closing. Uses and sources reconcile at $490,612.94 each. Not a Closing Disclosure.