Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$240,520Cash toward the purchase price.
Closing costs + prepaids$11,947Not just lender fees.
Before credits & paid funds$252,467The complete starting cash picture.
Estimated remaining funds due at closing
$252,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,520.03
Your down payment$240,520.03
Closing costs + prepaids$11,946.61
Total buyer cash needed$252,466.64
Remaining funds due$252,466.64
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$796.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,655.00
Prepaid interest, first (24 days)$277.71
Fees + prepaids$11,946.61
Your down payment is the seller’s equity. You take over the $159,380 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $252,466.64 is due at closing. Uses and sources reconcile at $411,846.61 each. Not a Closing Disclosure.