Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$257,134Cash toward the purchase price.
Closing costs + prepaids$10,616Not just lender fees.
Before credits & paid funds$267,749The complete starting cash picture.
Estimated remaining funds due at closing
$267,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$257,133.58
Your down payment$257,133.58
Closing costs + prepaids$10,615.55
Total buyer cash needed$267,749.13
Remaining funds due$267,749.13
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%)$714.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$305.50
Prepaid interest, first (25 days)$377.72
Fees + prepaids$10,615.55
Your down payment is the seller’s equity. You take over the $142,866 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $267,749.13 is due at closing. Uses and sources reconcile at $410,615.55 each. Not a Closing Disclosure.