Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$248,585Cash toward the purchase price.
Closing costs + prepaids$11,087Not just lender fees.
Before credits & paid funds$259,673The complete starting cash picture.
Estimated remaining funds due at closing
$259,673No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,585.24
Your down payment$248,585.24
Closing costs + prepaids$11,087.30
Total buyer cash needed$259,672.54
Remaining funds due$259,672.54
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$752.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$359.25
Initial HOA (3 months)$525.00
Prepaid interest, first (22 days)$242.97
Fees + prepaids$11,087.30
Your down payment is the seller’s equity. You take over the $150,415 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $259,672.54 is due at closing. Uses and sources reconcile at $410,087.30 each. Not a Closing Disclosure.