Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$284,654Cash toward the purchase price.
Closing costs + prepaids$13,265Not just lender fees.
Before credits & paid funds$297,919The complete starting cash picture.
Estimated remaining funds due at closing
$297,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,654.39
Your down payment$284,654.39
Closing costs + prepaids$13,265.08
Total buyer cash needed$297,919.47
Remaining funds due$297,919.47
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,001.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$582.00
Initial HOA (3 months)$1,200.00
Prepaid interest, first (12 days)$163.35
Fees + prepaids$13,265.08
Your down payment is the seller’s equity. You take over the $200,346 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $297,919.47 is due at closing. Uses and sources reconcile at $498,265.08 each. Not a Closing Disclosure.