Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$291,774Cash toward the purchase price.
Closing costs + prepaids$11,266Not just lender fees.
Before credits & paid funds$303,040The complete starting cash picture.
Estimated remaining funds due at closing
$303,040No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,774.44
Your down payment$291,774.44
Closing costs + prepaids$11,266.05
Total buyer cash needed$303,040.49
Remaining funds due$303,040.49
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%)$716.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$417.50
Prepaid interest, first (29 days)$564.43
Fees + prepaids$11,266.05
Your down payment is the seller’s equity. You take over the $143,226 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $303,040.49 is due at closing. Uses and sources reconcile at $446,266.05 each. Not a Closing Disclosure.