Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$280,067Cash toward the purchase price.
Closing costs + prepaids$10,877Not just lender fees.
Before credits & paid funds$290,944The complete starting cash picture.
Estimated remaining funds due at closing
$290,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,066.83
Your down payment$280,066.83
Closing costs + prepaids$10,877.28
Total buyer cash needed$290,944.11
Remaining funds due$290,944.11
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$649.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.00
Prepaid interest, first (30 days)$512.61
Fees + prepaids$10,877.28
Your down payment is the seller’s equity. You take over the $129,933 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $290,944.11 is due at closing. Uses and sources reconcile at $420,877.28 each. Not a Closing Disclosure.