Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$280,298Cash toward the purchase price.
Closing costs + prepaids$10,901Not just lender fees.
Before credits & paid funds$291,199The complete starting cash picture.
Estimated remaining funds due at closing
$291,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,298.22
Your down payment$280,298.22
Closing costs + prepaids$10,900.50
Total buyer cash needed$291,198.73
Remaining funds due$291,198.73
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$743.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Prepaid interest, first (27 days)$319.00
Fees + prepaids$10,900.50
Your down payment is the seller’s equity. You take over the $148,702 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $291,198.73 is due at closing. Uses and sources reconcile at $439,900.50 each. Not a Closing Disclosure.