Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$254,129Cash toward the purchase price.
Closing costs + prepaids$11,149Not just lender fees.
Before credits & paid funds$265,278The complete starting cash picture.
Estimated remaining funds due at closing
$265,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,129.34
Your down payment$254,129.34
Closing costs + prepaids$11,149.00
Total buyer cash needed$265,278.35
Remaining funds due$265,278.35
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$804.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$607.75
Prepaid interest, first (27 days)$368.90
Fees + prepaids$11,149.00
Your down payment is the seller’s equity. You take over the $160,871 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $265,278.35 is due at closing. Uses and sources reconcile at $426,149.00 each. Not a Closing Disclosure.