Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$279,328Cash toward the purchase price.
Closing costs + prepaids$11,768Not just lender fees.
Before credits & paid funds$291,096The complete starting cash picture.
Estimated remaining funds due at closing
$291,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,327.55
Your down payment$279,327.55
Closing costs + prepaids$11,768.04
Total buyer cash needed$291,095.59
Remaining funds due$291,095.59
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$878.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$321.75
Prepaid interest, first (29 days)$549.93
Fees + prepaids$11,768.04
Your down payment is the seller’s equity. You take over the $175,672 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $291,095.59 is due at closing. Uses and sources reconcile at $466,768.04 each. Not a Closing Disclosure.