Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$267,475Cash toward the purchase price.
Closing costs + prepaids$12,245Not just lender fees.
Before credits & paid funds$279,721The complete starting cash picture.
Estimated remaining funds due at closing
$279,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,475.13
Your down payment$267,475.13
Closing costs + prepaids$12,245.46
Total buyer cash needed$279,720.60
Remaining funds due$279,720.60
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%)$912.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,224.50
Prepaid interest, first (28 days)$391.84
Fees + prepaids$12,245.46
Your down payment is the seller’s equity. You take over the $182,425 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $279,720.60 is due at closing. Uses and sources reconcile at $462,145.46 each. Not a Closing Disclosure.