Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$255,622Cash toward the purchase price.
Closing costs + prepaids$11,518Not just lender fees.
Before credits & paid funds$267,140The complete starting cash picture.
Estimated remaining funds due at closing
$267,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,621.86
Your down payment$255,621.86
Closing costs + prepaids$11,518.16
Total buyer cash needed$267,140.02
Remaining funds due$267,140.02
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%)$4,049.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$746.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,012.25
Initial HOA (3 months)$63.99
Prepaid interest, first (26 days)$428.53
Fees + prepaids$11,518.16
Your down payment is the seller’s equity. You take over the $149,278 balance, so the rest of the $404,900 price is paid at closing. A second mortgage can cover part of it. $267,140.02 is due at closing. Uses and sources reconcile at $416,418.16 each. Not a Closing Disclosure.