Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$261,574Cash toward the purchase price.
Closing costs + prepaids$11,764Not just lender fees.
Before credits & paid funds$273,337The complete starting cash picture.
Estimated remaining funds due at closing
$273,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,573.66
Your down payment$261,573.66
Closing costs + prepaids$11,763.68
Total buyer cash needed$273,337.34
Remaining funds due$273,337.34
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$891.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$729.50
Prepaid interest, first (31 days)$525.55
Fees + prepaids$11,763.68
Your down payment is the seller’s equity. You take over the $178,326 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $273,337.34 is due at closing. Uses and sources reconcile at $451,663.68 each. Not a Closing Disclosure.