Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$276,181Cash toward the purchase price.
Closing costs + prepaids$10,859Not just lender fees.
Before credits & paid funds$287,041The complete starting cash picture.
Estimated remaining funds due at closing
$287,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,181.33
Your down payment$276,181.33
Closing costs + prepaids$10,859.21
Total buyer cash needed$287,040.54
Remaining funds due$287,040.54
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%)$4,115.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$676.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.75
Prepaid interest, first (23 days)$353.87
Fees + prepaids$10,859.21
Your down payment is the seller’s equity. You take over the $135,319 balance, so the rest of the $411,500 price is paid at closing. A second mortgage can cover part of it. $287,040.54 is due at closing. Uses and sources reconcile at $422,359.21 each. Not a Closing Disclosure.