Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$279,491Cash toward the purchase price.
Closing costs + prepaids$11,574Not just lender fees.
Before credits & paid funds$291,065The complete starting cash picture.
Estimated remaining funds due at closing
$291,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,490.90
Your down payment$279,490.90
Closing costs + prepaids$11,574.42
Total buyer cash needed$291,065.32
Remaining funds due$291,065.32
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$847.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$561.25
Initial HOA (3 months)$150.00
Prepaid interest, first (16 days)$307.62
Fees + prepaids$11,574.42
Your down payment is the seller’s equity. You take over the $169,509 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $291,065.32 is due at closing. Uses and sources reconcile at $460,574.42 each. Not a Closing Disclosure.