Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$268,054Cash toward the purchase price.
Closing costs + prepaids$11,295Not just lender fees.
Before credits & paid funds$279,350The complete starting cash picture.
Estimated remaining funds due at closing
$279,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,054.44
Your down payment$268,054.44
Closing costs + prepaids$11,295.26
Total buyer cash needed$279,349.70
Remaining funds due$279,349.70
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$654.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$996.25
Initial HOA (3 months)$147.99
Prepaid interest, first (28 days)$288.30
Fees + prepaids$11,295.26
Your down payment is the seller’s equity. You take over the $130,946 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $279,349.70 is due at closing. Uses and sources reconcile at $410,295.26 each. Not a Closing Disclosure.