Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$279,328Cash toward the purchase price.
Closing costs + prepaids$11,556Not just lender fees.
Before credits & paid funds$290,884The complete starting cash picture.
Estimated remaining funds due at closing
$290,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,327.55
Your down payment$279,327.55
Closing costs + prepaids$11,556.14
Total buyer cash needed$290,883.69
Remaining funds due$290,883.69
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$878.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.00
Prepaid interest, first (6 days)$113.78
Fees + prepaids$11,556.14
Your down payment is the seller’s equity. You take over the $175,672 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $290,883.69 is due at closing. Uses and sources reconcile at $466,556.14 each. Not a Closing Disclosure.