Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$281,933Cash toward the purchase price.
Closing costs + prepaids$11,120Not just lender fees.
Before credits & paid funds$293,053The complete starting cash picture.
Estimated remaining funds due at closing
$293,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,933.26
Your down payment$281,933.26
Closing costs + prepaids$11,119.62
Total buyer cash needed$293,052.88
Remaining funds due$293,052.88
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$765.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$248.75
Prepaid interest, first (29 days)$537.54
Fees + prepaids$11,119.62
Your down payment is the seller’s equity. You take over the $153,067 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $293,052.88 is due at closing. Uses and sources reconcile at $446,119.62 each. Not a Closing Disclosure.