Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$273,206Cash toward the purchase price.
Closing costs + prepaids$12,014Not just lender fees.
Before credits & paid funds$285,220The complete starting cash picture.
Estimated remaining funds due at closing
$285,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,206.00
Your down payment$273,206.00
Closing costs + prepaids$12,014.39
Total buyer cash needed$285,220.39
Remaining funds due$285,220.39
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%)$4,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$781.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,195.50
Initial HOA (3 months)$128.76
Prepaid interest, first (22 days)$395.66
Fees + prepaids$12,014.39
Your down payment is the seller’s equity. You take over the $156,294 balance, so the rest of the $429,500 price is paid at closing. A second mortgage can cover part of it. $285,220.39 is due at closing. Uses and sources reconcile at $441,514.39 each. Not a Closing Disclosure.