Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$258,911Cash toward the purchase price.
Closing costs + prepaids$11,821Not just lender fees.
Before credits & paid funds$270,732The complete starting cash picture.
Estimated remaining funds due at closing
$270,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,910.69
Your down payment$258,910.69
Closing costs + prepaids$11,821.33
Total buyer cash needed$270,732.01
Remaining funds due$270,732.01
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$905.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,157.00
Initial HOA (3 months)$112.50
Prepaid interest, first (2 days)$28.38
Fees + prepaids$11,821.33
Your down payment is the seller’s equity. You take over the $181,089 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $270,732.01 is due at closing. Uses and sources reconcile at $451,821.33 each. Not a Closing Disclosure.