Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$269,144Cash toward the purchase price.
Closing costs + prepaids$12,935Not just lender fees.
Before credits & paid funds$282,079The complete starting cash picture.
Estimated remaining funds due at closing
$282,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,144.07
Your down payment$269,144.07
Closing costs + prepaids$12,934.80
Total buyer cash needed$282,078.87
Remaining funds due$282,078.87
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%)$4,180.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$744.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,517.50
Initial HOA (3 months)$444.99
Prepaid interest, first (23 days)$830.03
Fees + prepaids$12,934.80
Your down payment is the seller’s equity. You take over the $148,856 balance, so the rest of the $418,000 price is paid at closing. A second mortgage can cover part of it. $282,078.87 is due at closing. Uses and sources reconcile at $430,934.80 each. Not a Closing Disclosure.