Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$271,282Cash toward the purchase price.
Closing costs + prepaids$10,963Not just lender fees.
Before credits & paid funds$282,246The complete starting cash picture.
Estimated remaining funds due at closing
$282,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,282.20
Your down payment$271,282.20
Closing costs + prepaids$10,963.40
Total buyer cash needed$282,245.60
Remaining funds due$282,245.60
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%)$718.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$534.25
Prepaid interest, first (29 days)$342.56
Fees + prepaids$10,963.40
Your down payment is the seller’s equity. You take over the $143,718 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $282,245.60 is due at closing. Uses and sources reconcile at $425,963.40 each. Not a Closing Disclosure.