Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$293,094Cash toward the purchase price.
Closing costs + prepaids$11,269Not just lender fees.
Before credits & paid funds$304,363The complete starting cash picture.
Estimated remaining funds due at closing
$304,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,093.96
Your down payment$293,093.96
Closing costs + prepaids$11,269.34
Total buyer cash needed$304,363.30
Remaining funds due$304,363.30
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$684.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.00
Prepaid interest, first (27 days)$302.81
Fees + prepaids$11,269.34
Your down payment is the seller’s equity. You take over the $136,906 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $304,363.30 is due at closing. Uses and sources reconcile at $441,269.34 each. Not a Closing Disclosure.