Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$260,603Cash toward the purchase price.
Closing costs + prepaids$11,419Not just lender fees.
Before credits & paid funds$272,022The complete starting cash picture.
Estimated remaining funds due at closing
$272,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,602.91
Your down payment$260,602.91
Closing costs + prepaids$11,419.19
Total buyer cash needed$272,022.09
Remaining funds due$272,022.09
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$946.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$540.00
Prepaid interest, first (12 days)$214.20
Fees + prepaids$11,419.19
Your down payment is the seller’s equity. You take over the $189,397 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $272,022.09 is due at closing. Uses and sources reconcile at $461,419.19 each. Not a Closing Disclosure.