Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$260,353Cash toward the purchase price.
Closing costs + prepaids$10,038Not just lender fees.
Before credits & paid funds$270,391The complete starting cash picture.
Estimated remaining funds due at closing
$270,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,352.71
Your down payment$260,352.71
Closing costs + prepaids$10,038.05
Total buyer cash needed$270,390.76
Remaining funds due$270,390.76
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%)$3,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$563.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$273.50
Prepaid interest, first (24 days)$253.32
Fees + prepaids$10,038.05
Your down payment is the seller’s equity. You take over the $112,647 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $270,390.76 is due at closing. Uses and sources reconcile at $383,038.05 each. Not a Closing Disclosure.