Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$273,870Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$285,050The complete starting cash picture.
Estimated remaining funds due at closing
$285,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,869.81
Your down payment$273,869.81
Closing costs + prepaids$11,180.52
Total buyer cash needed$285,050.33
Remaining funds due$285,050.33
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%)$4,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$800.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$494.50
Prepaid interest, first (26 days)$327.37
Fees + prepaids$11,180.52
Your down payment is the seller’s equity. You take over the $160,130 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $285,050.33 is due at closing. Uses and sources reconcile at $445,180.52 each. Not a Closing Disclosure.