Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$264,393Cash toward the purchase price.
Closing costs + prepaids$11,236Not just lender fees.
Before credits & paid funds$275,628The complete starting cash picture.
Estimated remaining funds due at closing
$275,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,392.81
Your down payment$264,392.81
Closing costs + prepaids$11,235.51
Total buyer cash needed$275,628.32
Remaining funds due$275,628.32
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$878.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$323.50
Prepaid interest, first (22 days)$415.97
Fees + prepaids$11,235.51
Your down payment is the seller’s equity. You take over the $175,607 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $275,628.32 is due at closing. Uses and sources reconcile at $451,235.51 each. Not a Closing Disclosure.