Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$288,096Cash toward the purchase price.
Closing costs + prepaids$10,113Not just lender fees.
Before credits & paid funds$298,208The complete starting cash picture.
Estimated remaining funds due at closing
$298,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,095.60
Your down payment$288,095.60
Closing costs + prepaids$10,112.80
Total buyer cash needed$298,208.40
Remaining funds due$298,208.40
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%)$3,739.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$429.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.50
Prepaid interest, first (27 days)$397.79
Fees + prepaids$10,112.80
Your down payment is the seller’s equity. You take over the $85,903 balance, so the rest of the $373,999 price is paid at closing. A second mortgage can cover part of it. $298,208.40 is due at closing. Uses and sources reconcile at $384,111.80 each. Not a Closing Disclosure.