Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$245,875Cash toward the purchase price.
Closing costs + prepaids$10,212Not just lender fees.
Before credits & paid funds$256,087The complete starting cash picture.
Estimated remaining funds due at closing
$256,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,874.79
Your down payment$245,874.79
Closing costs + prepaids$10,211.74
Total buyer cash needed$256,086.53
Remaining funds due$256,086.53
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$615.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.75
Prepaid interest, first (28 days)$351.36
Fees + prepaids$10,211.74
Your down payment is the seller’s equity. You take over the $123,125 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $256,086.53 is due at closing. Uses and sources reconcile at $379,211.74 each. Not a Closing Disclosure.