Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$290,283Cash toward the purchase price.
Closing costs + prepaids$11,246Not just lender fees.
Before credits & paid funds$301,529The complete starting cash picture.
Estimated remaining funds due at closing
$301,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$290,282.86
Your down payment$290,282.86
Closing costs + prepaids$11,245.91
Total buyer cash needed$301,528.77
Remaining funds due$301,528.77
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$798.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Initial HOA (3 months)$54.99
Prepaid interest, first (10 days)$134.34
Fees + prepaids$11,245.91
Your down payment is the seller’s equity. You take over the $159,717 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $301,528.77 is due at closing. Uses and sources reconcile at $461,245.91 each. Not a Closing Disclosure.