Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$276,062Cash toward the purchase price.
Closing costs + prepaids$11,557Not just lender fees.
Before credits & paid funds$287,619The complete starting cash picture.
Estimated remaining funds due at closing
$287,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,062.12
Your down payment$276,062.12
Closing costs + prepaids$11,557.12
Total buyer cash needed$287,619.25
Remaining funds due$287,619.25
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%)$764.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,072.50
Prepaid interest, first (18 days)$211.93
Fees + prepaids$11,557.12
Your down payment is the seller’s equity. You take over the $152,938 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $287,619.25 is due at closing. Uses and sources reconcile at $440,557.12 each. Not a Closing Disclosure.