Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$277,905Cash toward the purchase price.
Closing costs + prepaids$12,452Not just lender fees.
Before credits & paid funds$290,357The complete starting cash picture.
Estimated remaining funds due at closing
$290,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,905.12
Your down payment$277,905.12
Closing costs + prepaids$12,451.74
Total buyer cash needed$290,356.86
Remaining funds due$290,356.86
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%)$4,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$825.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,496.00
Initial HOA (3 months)$81.24
Prepaid interest, first (22 days)$401.02
Fees + prepaids$12,451.74
Your down payment is the seller’s equity. You take over the $165,095 balance, so the rest of the $443,000 price is paid at closing. A second mortgage can cover part of it. $290,356.86 is due at closing. Uses and sources reconcile at $455,451.74 each. Not a Closing Disclosure.