Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$238,232Cash toward the purchase price.
Closing costs + prepaids$12,863Not just lender fees.
Before credits & paid funds$251,095The complete starting cash picture.
Estimated remaining funds due at closing
$251,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,232.45
Your down payment$238,232.45
Closing costs + prepaids$12,862.81
Total buyer cash needed$251,095.26
Remaining funds due$251,095.26
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%)$4,059.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$884.25
Initial HOA (3 months)$1,452.00
Prepaid interest, first (24 days)$411.22
Fees + prepaids$12,862.81
Your down payment is the seller’s equity. You take over the $167,668 balance, so the rest of the $405,900 price is paid at closing. A second mortgage can cover part of it. $251,095.26 is due at closing. Uses and sources reconcile at $418,762.81 each. Not a Closing Disclosure.