Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$248,208Cash toward the purchase price.
Closing costs + prepaids$11,058Not just lender fees.
Before credits & paid funds$259,266The complete starting cash picture.
Estimated remaining funds due at closing
$259,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,208.21
Your down payment$248,208.21
Closing costs + prepaids$11,057.61
Total buyer cash needed$259,265.82
Remaining funds due$259,265.82
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%)$3,929.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$723.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$489.00
Initial HOA (3 months)$360.00
Prepaid interest, first (23 days)$336.67
Fees + prepaids$11,057.61
Your down payment is the seller’s equity. You take over the $144,791 balance, so the rest of the $392,999 price is paid at closing. A second mortgage can cover part of it. $259,265.82 is due at closing. Uses and sources reconcile at $404,056.61 each. Not a Closing Disclosure.