Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$274,832Cash toward the purchase price.
Closing costs + prepaids$10,982Not just lender fees.
Before credits & paid funds$285,814The complete starting cash picture.
Estimated remaining funds due at closing
$285,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,831.66
Your down payment$274,831.66
Closing costs + prepaids$10,981.94
Total buyer cash needed$285,813.60
Remaining funds due$285,813.60
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$700.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$391.00
Initial HOA (3 months)$90.00
Prepaid interest, first (29 days)$432.10
Fees + prepaids$10,981.94
Your down payment is the seller’s equity. You take over the $140,168 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $285,813.60 is due at closing. Uses and sources reconcile at $425,981.94 each. Not a Closing Disclosure.