Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$284,910Cash toward the purchase price.
Closing costs + prepaids$11,092Not just lender fees.
Before credits & paid funds$296,002The complete starting cash picture.
Estimated remaining funds due at closing
$296,002No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,909.91
Your down payment$284,909.91
Closing costs + prepaids$11,092.37
Total buyer cash needed$296,002.28
Remaining funds due$296,002.28
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%)$4,330.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$740.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.50
Prepaid interest, first (26 days)$392.42
Fees + prepaids$11,092.37
Your down payment is the seller’s equity. You take over the $148,090 balance, so the rest of the $433,000 price is paid at closing. A second mortgage can cover part of it. $296,002.28 is due at closing. Uses and sources reconcile at $444,092.37 each. Not a Closing Disclosure.