Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$264,055Cash toward the purchase price.
Closing costs + prepaids$11,583Not just lender fees.
Before credits & paid funds$275,639The complete starting cash picture.
Estimated remaining funds due at closing
$275,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,055.23
Your down payment$264,055.23
Closing costs + prepaids$11,583.32
Total buyer cash needed$275,638.55
Remaining funds due$275,638.55
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%)$4,444.44
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$901.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$462.50
Prepaid interest, first (27 days)$556.44
Fees + prepaids$11,583.32
Your down payment is the seller’s equity. You take over the $180,389 balance, so the rest of the $444,444 price is paid at closing. A second mortgage can cover part of it. $275,638.55 is due at closing. Uses and sources reconcile at $456,027.32 each. Not a Closing Disclosure.