Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$291,299Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$302,207The complete starting cash picture.
Estimated remaining funds due at closing
$302,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,298.54
Your down payment$291,298.54
Closing costs + prepaids$10,908.67
Total buyer cash needed$302,207.20
Remaining funds due$302,207.20
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%)$693.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$434.50
Prepaid interest, first (24 days)$262.66
Fees + prepaids$10,908.67
Your down payment is the seller’s equity. You take over the $138,701 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $302,207.20 is due at closing. Uses and sources reconcile at $440,908.67 each. Not a Closing Disclosure.