Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$259,436Cash toward the purchase price.
Closing costs + prepaids$11,819Not just lender fees.
Before credits & paid funds$271,254The complete starting cash picture.
Estimated remaining funds due at closing
$271,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,435.93
Your down payment$259,435.93
Closing costs + prepaids$11,818.55
Total buyer cash needed$271,254.48
Remaining funds due$271,254.48
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%)$902.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$799.00
Initial HOA (3 months)$54.99
Prepaid interest, first (30 days)$443.74
Fees + prepaids$11,818.55
Your down payment is the seller’s equity. You take over the $180,564 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $271,254.48 is due at closing. Uses and sources reconcile at $451,818.55 each. Not a Closing Disclosure.