Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$290,591Cash toward the purchase price.
Closing costs + prepaids$11,227Not just lender fees.
Before credits & paid funds$301,817The complete starting cash picture.
Estimated remaining funds due at closing
$301,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,590.51
Your down payment$290,590.51
Closing costs + prepaids$11,226.64
Total buyer cash needed$301,817.16
Remaining funds due$301,817.16
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$722.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.50
Initial HOA (3 months)$180.00
Prepaid interest, first (29 days)$351.09
Fees + prepaids$11,226.64
Your down payment is the seller’s equity. You take over the $144,409 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $301,817.16 is due at closing. Uses and sources reconcile at $446,226.64 each. Not a Closing Disclosure.