Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$279,454Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$290,363The complete starting cash picture.
Estimated remaining funds due at closing
$290,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,454.33
Your down payment$279,454.33
Closing costs + prepaids$10,909.10
Total buyer cash needed$290,363.43
Remaining funds due$290,363.43
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$702.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$337.75
Initial HOA (3 months)$93.75
Prepaid interest, first (28 days)$356.87
Fees + prepaids$10,909.10
Your down payment is the seller’s equity. You take over the $140,546 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $290,363.43 is due at closing. Uses and sources reconcile at $430,909.10 each. Not a Closing Disclosure.