Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$266,596Cash toward the purchase price.
Closing costs + prepaids$10,937Not just lender fees.
Before credits & paid funds$277,533The complete starting cash picture.
Estimated remaining funds due at closing
$277,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,595.66
Your down payment$266,595.66
Closing costs + prepaids$10,937.17
Total buyer cash needed$277,532.83
Remaining funds due$277,532.83
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%)$767.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.50
Prepaid interest, first (27 days)$409.65
Fees + prepaids$10,937.17
Your down payment is the seller’s equity. You take over the $153,404 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $277,532.83 is due at closing. Uses and sources reconcile at $430,937.17 each. Not a Closing Disclosure.