Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$289,794Cash toward the purchase price.
Closing costs + prepaids$12,024Not just lender fees.
Before credits & paid funds$301,818The complete starting cash picture.
Estimated remaining funds due at closing
$301,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,794.47
Your down payment$289,794.47
Closing costs + prepaids$12,023.82
Total buyer cash needed$301,818.29
Remaining funds due$301,818.29
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%)$4,460.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$781.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,115.00
Initial HOA (3 months)$62.49
Prepaid interest, first (25 days)$387.30
Fees + prepaids$12,023.82
Your down payment is the seller’s equity. You take over the $156,206 balance, so the rest of the $446,000 price is paid at closing. A second mortgage can cover part of it. $301,818.29 is due at closing. Uses and sources reconcile at $458,023.82 each. Not a Closing Disclosure.