Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$269,539Cash toward the purchase price.
Closing costs + prepaids$10,881Not just lender fees.
Before credits & paid funds$280,421The complete starting cash picture.
Estimated remaining funds due at closing
$280,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,539.40
Your down payment$269,539.40
Closing costs + prepaids$10,881.14
Total buyer cash needed$280,420.54
Remaining funds due$280,420.54
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$752.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$351.75
Prepaid interest, first (31 days)$359.09
Fees + prepaids$10,881.14
Your down payment is the seller’s equity. You take over the $150,461 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $280,420.54 is due at closing. Uses and sources reconcile at $430,881.14 each. Not a Closing Disclosure.