Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$275,793Cash toward the purchase price.
Closing costs + prepaids$10,161Not just lender fees.
Before credits & paid funds$285,954The complete starting cash picture.
Estimated remaining funds due at closing
$285,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,792.65
Your down payment$275,792.65
Closing costs + prepaids$10,161.01
Total buyer cash needed$285,953.66
Remaining funds due$285,953.66
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$621.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$42.75
Prepaid interest, first (22 days)$279.24
Fees + prepaids$10,161.01
Your down payment is the seller’s equity. You take over the $124,206 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $285,953.66 is due at closing. Uses and sources reconcile at $410,160.01 each. Not a Closing Disclosure.