Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$270,558Cash toward the purchase price.
Closing costs + prepaids$11,664Not just lender fees.
Before credits & paid funds$282,221The complete starting cash picture.
Estimated remaining funds due at closing
$282,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$270,557.61
Your down payment$270,557.61
Closing costs + prepaids$11,663.83
Total buyer cash needed$282,221.44
Remaining funds due$282,221.44
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$771.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$808.25
Initial HOA (3 months)$45.00
Prepaid interest, first (28 days)$571.87
Fees + prepaids$11,663.83
Your down payment is the seller’s equity. You take over the $154,342 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $282,221.44 is due at closing. Uses and sources reconcile at $436,563.83 each. Not a Closing Disclosure.