Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$264,055Cash toward the purchase price.
Closing costs + prepaids$11,439Not just lender fees.
Before credits & paid funds$275,494The complete starting cash picture.
Estimated remaining funds due at closing
$275,494No 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$11,439.06
Total buyer cash needed$275,494.29
Remaining funds due$275,494.29
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 (20 days)$412.18
Fees + prepaids$11,439.06
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. $275,494.29 is due at closing. Uses and sources reconcile at $455,883.06 each. Not a Closing Disclosure.