Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$279,433Cash toward the purchase price.
Closing costs + prepaids$10,907Not just lender fees.
Before credits & paid funds$290,340The complete starting cash picture.
Estimated remaining funds due at closing
$290,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,432.57
Your down payment$279,432.57
Closing costs + prepaids$10,906.94
Total buyer cash needed$290,339.51
Remaining funds due$290,339.51
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$852.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$17.50
Prepaid interest, first (23 days)$320.11
Fees + prepaids$10,906.94
Your down payment is the seller’s equity. You take over the $170,467 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $290,339.51 is due at closing. Uses and sources reconcile at $460,806.94 each. Not a Closing Disclosure.