Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$307,486Cash toward the purchase price.
Closing costs + prepaids$11,000Not just lender fees.
Before credits & paid funds$318,487The complete starting cash picture.
Estimated remaining funds due at closing
$318,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,486.38
Your down payment$307,486.38
Closing costs + prepaids$11,000.33
Total buyer cash needed$318,486.71
Remaining funds due$318,486.71
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$687.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$534.00
Prepaid interest, first (10 days)$110.76
Fees + prepaids$11,000.33
Your down payment is the seller’s equity. You take over the $137,514 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $318,486.71 is due at closing. Uses and sources reconcile at $456,000.33 each. Not a Closing Disclosure.