Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$231,365Cash toward the purchase price.
Closing costs + prepaids$10,678Not just lender fees.
Before credits & paid funds$242,043The complete starting cash picture.
Estimated remaining funds due at closing
$242,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,365.18
Your down payment$231,365.18
Closing costs + prepaids$10,678.07
Total buyer cash needed$242,043.26
Remaining funds due$242,043.26
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%)$3,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$833.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.25
Prepaid interest, first (22 days)$378.65
Fees + prepaids$10,678.07
Your down payment is the seller’s equity. You take over the $166,635 balance, so the rest of the $398,000 price is paid at closing. A second mortgage can cover part of it. $242,043.26 is due at closing. Uses and sources reconcile at $408,678.07 each. Not a Closing Disclosure.