Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$263,132Cash toward the purchase price.
Closing costs + prepaids$11,124Not just lender fees.
Before credits & paid funds$274,257The complete starting cash picture.
Estimated remaining funds due at closing
$274,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,132.29
Your down payment$263,132.29
Closing costs + prepaids$11,124.37
Total buyer cash needed$274,256.66
Remaining funds due$274,256.66
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%)$4,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$831.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$537.00
Prepaid interest, first (17 days)$242.53
Fees + prepaids$11,124.37
Your down payment is the seller’s equity. You take over the $166,368 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $274,256.66 is due at closing. Uses and sources reconcile at $440,624.37 each. Not a Closing Disclosure.