Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$247,631Cash toward the purchase price.
Closing costs + prepaids$12,389Not just lender fees.
Before credits & paid funds$260,019The complete starting cash picture.
Estimated remaining funds due at closing
$260,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,630.82
Your down payment$247,630.82
Closing costs + prepaids$12,388.65
Total buyer cash needed$260,019.47
Remaining funds due$260,019.47
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%)$3,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$711.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$975.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (29 days)$308.80
Fees + prepaids$12,388.65
Your down payment is the seller’s equity. You take over the $142,369 balance, so the rest of the $390,000 price is paid at closing. A second mortgage can cover part of it. $260,019.47 is due at closing. Uses and sources reconcile at $402,388.65 each. Not a Closing Disclosure.