Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$255,825Cash toward the purchase price.
Closing costs + prepaids$11,505Not just lender fees.
Before credits & paid funds$267,330The complete starting cash picture.
Estimated remaining funds due at closing
$267,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,824.78
Your down payment$255,824.78
Closing costs + prepaids$11,505.20
Total buyer cash needed$267,329.98
Remaining funds due$267,329.98
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$920.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$608.25
Prepaid interest, first (23 days)$359.58
Fees + prepaids$11,505.20
Your down payment is the seller’s equity. You take over the $184,075 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $267,329.98 is due at closing. Uses and sources reconcile at $451,405.20 each. Not a Closing Disclosure.