Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$274,766Cash toward the purchase price.
Closing costs + prepaids$11,082Not just lender fees.
Before credits & paid funds$285,849The complete starting cash picture.
Estimated remaining funds due at closing
$285,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,766.43
Your down payment$274,766.43
Closing costs + prepaids$11,082.26
Total buyer cash needed$285,848.69
Remaining funds due$285,848.69
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%)$4,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$726.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$460.75
Prepaid interest, first (31 days)$477.36
Fees + prepaids$11,082.26
Your down payment is the seller’s equity. You take over the $145,233 balance, so the rest of the $419,999 price is paid at closing. A second mortgage can cover part of it. $285,848.69 is due at closing. Uses and sources reconcile at $431,081.26 each. Not a Closing Disclosure.