Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,655Cash toward the purchase price.
Closing costs + prepaids$11,050Not just lender fees.
Before credits & paid funds$274,704The complete starting cash picture.
Estimated remaining funds due at closing
$274,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,654.85
Your down payment$263,654.85
Closing costs + prepaids$11,049.54
Total buyer cash needed$274,704.39
Remaining funds due$274,704.39
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%)$903.95
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 (1 days)$20.65
Fees + prepaids$11,049.54
Your down payment is the seller’s equity. You take over the $180,789 balance, so the rest of the $444,444 price is paid at closing. A second mortgage can cover part of it. $274,704.39 is due at closing. Uses and sources reconcile at $455,493.54 each. Not a Closing Disclosure.