Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$280,071Cash toward the purchase price.
Closing costs + prepaids$11,646Not just lender fees.
Before credits & paid funds$291,717The complete starting cash picture.
Estimated remaining funds due at closing
$291,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,071.08
Your down payment$280,071.08
Closing costs + prepaids$11,646.23
Total buyer cash needed$291,717.31
Remaining funds due$291,717.31
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$774.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.00
Initial HOA (3 months)$675.00
Prepaid interest, first (9 days)$106.58
Fees + prepaids$11,646.23
Your down payment is the seller’s equity. You take over the $154,929 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $291,717.31 is due at closing. Uses and sources reconcile at $446,646.23 each. Not a Closing Disclosure.