Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$262,223Cash toward the purchase price.
Closing costs + prepaids$13,171Not just lender fees.
Before credits & paid funds$275,394The complete starting cash picture.
Estimated remaining funds due at closing
$275,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,222.68
Your down payment$262,222.68
Closing costs + prepaids$13,171.33
Total buyer cash needed$275,394.00
Remaining funds due$275,394.00
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$688.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Initial HOA (3 months)$2,004.00
Prepaid interest, first (23 days)$260.45
Fees + prepaids$13,171.33
Your down payment is the seller’s equity. You take over the $137,776 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $275,394.00 is due at closing. Uses and sources reconcile at $413,170.33 each. Not a Closing Disclosure.