Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$253,268Cash toward the purchase price.
Closing costs + prepaids$10,527Not just lender fees.
Before credits & paid funds$263,795The complete starting cash picture.
Estimated remaining funds due at closing
$263,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,268.06
Your down payment$253,268.06
Closing costs + prepaids$10,526.53
Total buyer cash needed$263,794.59
Remaining funds due$263,794.59
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%)$3,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$678.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$513.25
Prepaid interest, first (22 days)$226.62
Fees + prepaids$10,526.53
Your down payment is the seller’s equity. You take over the $135,732 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $263,794.59 is due at closing. Uses and sources reconcile at $399,526.53 each. Not a Closing Disclosure.