Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$269,073Cash toward the purchase price.
Closing costs + prepaids$14,055Not just lender fees.
Before credits & paid funds$283,128The complete starting cash picture.
Estimated remaining funds due at closing
$283,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,073.32
Your down payment$269,073.32
Closing costs + prepaids$14,054.60
Total buyer cash needed$283,127.92
Remaining funds due$283,127.92
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$899.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,987.00
Prepaid interest, first (31 days)$459.97
Fees + prepaids$14,054.60
Your down payment is the seller’s equity. You take over the $179,927 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $283,127.92 is due at closing. Uses and sources reconcile at $463,054.60 each. Not a Closing Disclosure.