Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$257,975Cash toward the purchase price.
Closing costs + prepaids$12,815Not just lender fees.
Before credits & paid funds$270,789The complete starting cash picture.
Estimated remaining funds due at closing
$270,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,974.57
Your down payment$257,974.57
Closing costs + prepaids$12,814.62
Total buyer cash needed$270,789.18
Remaining funds due$270,789.18
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%)$4,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$884.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,156.00
Initial HOA (3 months)$714.99
Prepaid interest, first (25 days)$492.00
Fees + prepaids$12,814.62
Your down payment is the seller’s equity. You take over the $176,925 balance, so the rest of the $434,900 price is paid at closing. A second mortgage can cover part of it. $270,789.18 is due at closing. Uses and sources reconcile at $447,714.62 each. Not a Closing Disclosure.