Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$251,825Cash toward the purchase price.
Closing costs + prepaids$10,697Not just lender fees.
Before credits & paid funds$262,521The complete starting cash picture.
Estimated remaining funds due at closing
$262,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,824.69
Your down payment$251,824.69
Closing costs + prepaids$10,696.55
Total buyer cash needed$262,521.24
Remaining funds due$262,521.24
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$740.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.50
Initial HOA (3 months)$135.00
Prepaid interest, first (22 days)$276.68
Fees + prepaids$10,696.55
Your down payment is the seller’s equity. You take over the $148,075 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $262,521.24 is due at closing. Uses and sources reconcile at $410,596.55 each. Not a Closing Disclosure.