Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$286,890Cash toward the purchase price.
Closing costs + prepaids$10,876Not just lender fees.
Before credits & paid funds$297,766The complete starting cash picture.
Estimated remaining funds due at closing
$297,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,889.84
Your down payment$286,889.84
Closing costs + prepaids$10,876.09
Total buyer cash needed$297,765.93
Remaining funds due$297,765.93
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$515.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$974.75
Prepaid interest, first (26 days)$269.29
Fees + prepaids$10,876.09
Your down payment is the seller’s equity. You take over the $103,010 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $297,765.93 is due at closing. Uses and sources reconcile at $400,776.09 each. Not a Closing Disclosure.