Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$280,080Cash toward the purchase price.
Closing costs + prepaids$10,991Not just lender fees.
Before credits & paid funds$291,071The complete starting cash picture.
Estimated remaining funds due at closing
$291,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,080.10
Your down payment$280,080.10
Closing costs + prepaids$10,990.65
Total buyer cash needed$291,070.74
Remaining funds due$291,070.74
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$824.60
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$92.75
Prepaid interest, first (26 days)$405.30
Fees + prepaids$10,990.65
Your down payment is the seller’s equity. You take over the $164,920 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $291,070.74 is due at closing. Uses and sources reconcile at $455,990.65 each. Not a Closing Disclosure.