Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$290,283Cash toward the purchase price.
Closing costs + prepaids$11,338Not just lender fees.
Before credits & paid funds$301,621The complete starting cash picture.
Estimated remaining funds due at closing
$301,621No 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$11,337.85
Total buyer cash needed$301,620.71
Remaining funds due$301,620.71
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%)$4,500.00
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)$417.00
Initial HOA (3 months)$54.99
Prepaid interest, first (26 days)$349.28
Fees + prepaids$11,337.85
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. $301,620.71 is due at closing. Uses and sources reconcile at $461,337.85 each. Not a Closing Disclosure.