Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$299,256Cash toward the purchase price.
Closing costs + prepaids$11,160Not just lender fees.
Before credits & paid funds$310,416The complete starting cash picture.
Estimated remaining funds due at closing
$310,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,255.98
Your down payment$299,255.98
Closing costs + prepaids$11,159.60
Total buyer cash needed$310,415.58
Remaining funds due$310,415.58
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$503.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,249.75
Prepaid interest, first (24 days)$188.13
Fees + prepaids$11,159.60
Your down payment is the seller’s equity. You take over the $100,744 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $310,415.58 is due at closing. Uses and sources reconcile at $411,159.60 each. Not a Closing Disclosure.