Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$279,119Cash toward the purchase price.
Closing costs + prepaids$11,059Not just lender fees.
Before credits & paid funds$290,177The complete starting cash picture.
Estimated remaining funds due at closing
$290,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$279,118.76
Your down payment$279,118.76
Closing costs + prepaids$11,058.70
Total buyer cash needed$290,177.47
Remaining funds due$290,177.47
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%)$3,859.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$533.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,124.50
Initial HOA (3 months)$27.00
Prepaid interest, first (24 days)$296.30
Fees + prepaids$11,058.70
Your down payment is the seller’s equity. You take over the $106,781 balance, so the rest of the $385,900 price is paid at closing. A second mortgage can cover part of it. $290,177.47 is due at closing. Uses and sources reconcile at $396,958.70 each. Not a Closing Disclosure.