Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$285,071Cash toward the purchase price.
Closing costs + prepaids$11,876Not just lender fees.
Before credits & paid funds$296,947The complete starting cash picture.
Estimated remaining funds due at closing
$296,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,071.08
Your down payment$285,071.08
Closing costs + prepaids$11,875.84
Total buyer cash needed$296,946.92
Remaining funds due$296,946.92
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%)$774.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$559.50
Initial HOA (3 months)$675.00
Prepaid interest, first (21 days)$248.69
Fees + prepaids$11,875.84
Your down payment is the seller’s equity. You take over the $154,929 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $296,946.92 is due at closing. Uses and sources reconcile at $451,875.84 each. Not a Closing Disclosure.