Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$283,094Cash toward the purchase price.
Closing costs + prepaids$10,818Not just lender fees.
Before credits & paid funds$293,912The complete starting cash picture.
Estimated remaining funds due at closing
$293,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,093.96
Your down payment$283,093.96
Closing costs + prepaids$10,818.19
Total buyer cash needed$293,912.15
Remaining funds due$293,912.15
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$684.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Prepaid interest, first (17 days)$190.66
Fees + prepaids$10,818.19
Your down payment is the seller’s equity. You take over the $136,906 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $293,912.15 is due at closing. Uses and sources reconcile at $430,818.19 each. Not a Closing Disclosure.