Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$259,510Cash toward the purchase price.
Closing costs + prepaids$11,246Not just lender fees.
Before credits & paid funds$270,755The complete starting cash picture.
Estimated remaining funds due at closing
$270,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,509.51
Your down payment$259,509.51
Closing costs + prepaids$11,245.81
Total buyer cash needed$270,755.32
Remaining funds due$270,755.32
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%)$902.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$112.50
Prepaid interest, first (6 days)$84.86
Fees + prepaids$11,245.81
Your down payment is the seller’s equity. You take over the $180,490 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $270,755.32 is due at closing. Uses and sources reconcile at $451,245.81 each. Not a Closing Disclosure.