Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$255,085Cash toward the purchase price.
Closing costs + prepaids$8,833Not just lender fees.
Before credits & paid funds$263,918The complete starting cash picture.
Estimated remaining funds due at closing
$263,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,085.20
Your down payment$255,085.20
Closing costs + prepaids$8,833.24
Total buyer cash needed$263,918.44
Remaining funds due$263,918.44
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%)$2,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$174.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.50
Prepaid interest, first (22 days)$69.67
Fees + prepaids$8,833.24
Your down payment is the seller’s equity. You take over the $34,815 balance, so the rest of the $289,900 price is paid at closing. A second mortgage can cover part of it. $263,918.44 is due at closing. Uses and sources reconcile at $298,733.24 each. Not a Closing Disclosure.