Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$305,317Cash toward the purchase price.
Closing costs + prepaids$11,288Not just lender fees.
Before credits & paid funds$316,605The complete starting cash picture.
Estimated remaining funds due at closing
$316,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$305,317.00
Your down payment$305,317.00
Closing costs + prepaids$11,287.99
Total buyer cash needed$316,605.00
Remaining funds due$316,605.00
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$748.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$178.25
Prepaid interest, first (28 days)$343.33
Fees + prepaids$11,287.99
Your down payment is the seller’s equity. You take over the $149,683 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $316,605.00 is due at closing. Uses and sources reconcile at $466,287.99 each. Not a Closing Disclosure.