Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$307,158Cash toward the purchase price.
Closing costs + prepaids$10,712Not just lender fees.
Before credits & paid funds$317,870The complete starting cash picture.
Estimated remaining funds due at closing
$317,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$307,157.95
Your down payment$307,157.95
Closing costs + prepaids$10,712.17
Total buyer cash needed$317,870.11
Remaining funds due$317,870.11
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%)$4,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$689.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$332.75
Prepaid interest, first (2 days)$22.21
Fees + prepaids$10,712.17
Your down payment is the seller’s equity. You take over the $137,842 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $317,870.11 is due at closing. Uses and sources reconcile at $455,712.17 each. Not a Closing Disclosure.