Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$285,071Cash toward the purchase price.
Closing costs + prepaids$11,994Not just lender fees.
Before credits & paid funds$297,065The complete starting cash picture.
Estimated remaining funds due at closing
$297,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,071.08
Your down payment$285,071.08
Closing costs + prepaids$11,994.26
Total buyer cash needed$297,065.35
Remaining funds due$297,065.35
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$774.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$559.50
Initial HOA (3 months)$675.00
Prepaid interest, first (31 days)$367.12
Fees + prepaids$11,994.26
Your down payment is the seller’s equity. You take over the $154,929 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $297,065.35 is due at closing. Uses and sources reconcile at $451,994.26 each. Not a Closing Disclosure.