Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$279,828Cash toward the purchase price.
Closing costs + prepaids$10,929Not just lender fees.
Before credits & paid funds$290,757The complete starting cash picture.
Estimated remaining funds due at closing
$290,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,827.94
Your down payment$279,827.94
Closing costs + prepaids$10,929.13
Total buyer cash needed$290,757.07
Remaining funds due$290,757.07
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%)$4,197.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$699.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$503.75
Initial HOA (3 months)$168.00
Prepaid interest, first (10 days)$141.87
Fees + prepaids$10,929.13
Your down payment is the seller’s equity. You take over the $139,949 balance, so the rest of the $419,777 price is paid at closing. A second mortgage can cover part of it. $290,757.07 is due at closing. Uses and sources reconcile at $430,706.13 each. Not a Closing Disclosure.