Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$280,298Cash toward the purchase price.
Closing costs + prepaids$10,889Not just lender fees.
Before credits & paid funds$291,187The complete starting cash picture.
Estimated remaining funds due at closing
$291,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,298.22
Your down payment$280,298.22
Closing costs + prepaids$10,888.69
Total buyer cash needed$291,186.91
Remaining funds due$291,186.91
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%)$4,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$743.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$330.00
Prepaid interest, first (26 days)$307.18
Fees + prepaids$10,888.69
Your down payment is the seller’s equity. You take over the $148,702 balance, so the rest of the $429,000 price is paid at closing. A second mortgage can cover part of it. $291,186.91 is due at closing. Uses and sources reconcile at $439,888.69 each. Not a Closing Disclosure.